User Tag List

Reply
 
Thread Tools Rate Thread Display Modes
Old 09-24-2019, 09:21 PM #31
cb1111's Avatar
cb1111 cb1111 is offline
Member
 
Join Date: Jun 2019
Location: Washington DC
Posts: 579
cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice
cb1111 cb1111 is offline
Member
cb1111's Avatar
 
Join Date: Jun 2019
Location: Washington DC
Posts: 579
cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice
Quote:
Originally Posted by Dillusion View Post
Just curious on why you say not to work through your insurance?

I've always worked through my insurance. Unfortunately its happened couple times to myself and my wife.

I have State Farm and its been nothing but cake working through them. I gave um the other guys information and that was it. Took it to the body shop and that was the end of it.

No raise in rates nothing. I understand may not be the cheapest but from every incident I've had its well worth the money.
Quote:
Originally Posted by Phade View Post
Just like a FICO score, you have a similar scoring/rating for insurance purposes (in layman's terms). Making multiple claims within your insurance carrier to go after another party can result in your score/rating be more at risk because you can be considered a poor defensive driver (meaning avoiding accidents, questionable scenarios, and reducing risk). Whether it raises your specific rates depends on multiple factors, but if your rates haven't gone up with multiple claims against other policyholders, then you're likely paying a premium above and beyond what is necessary to make the policy in force at the same protection levels with another carrier.

I worked in that specific part of the industry for 10 years.
Quote:
Originally Posted by Mclark202 View Post
Not sure why your own personal insurance would even be involved unless the other personís coverage is dicking you around.

I know every state is different, but around here there is no reason to file a claim or even notify your own insurance for a rear ender that is obvious who is at fault(unless there are injuries)

Even if you call your insurance to talk to them about it that alone could be similar to a claim and will come back to bite you down the road.

Get estimates for damages and have them cut you a check. Go buy what you want or pay a shop to fix it.
A couple of points:

Regardless of who you go through, your insurance company will find out anyway.

If you use your insurance company then you'll have to pay your deductible and rental fees. You'll get those back once your insurance company has recovered costs from the other company.

Your insurance company will be a bit more of an advocate for you, while the other company will try to do everything to keep costs low. Your company still isn't your friend though.
__________________
When in trouble - obfuscate
cb1111 is offline   Reply With QuoteReply With Quote
Old 09-24-2019, 09:21 PM #32
Dillusion Dillusion is offline
Member
 
Join Date: Aug 2018
Location: Hawaii
Posts: 852
Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice
Dillusion Dillusion is offline
Member
 
Join Date: Aug 2018
Location: Hawaii
Posts: 852
Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice
Quote:
Originally Posted by Phade View Post
Just like a FICO score, you have a similar scoring/rating for insurance purposes (in layman's terms). Making multiple claims within your insurance carrier to go after another party can result in your score/rating be more at risk because you can be considered a poor defensive driver (meaning avoiding accidents, questionable scenarios, and reducing risk). Whether it raises your specific rates depends on multiple factors, but if your rates haven't gone up with multiple claims against other policyholders, then you're likely paying a premium above and beyond what is necessary to make the policy in force at the same protection levels with another carrier.

I worked in that specific part of the industry for 10 years.
Well its not hurting my wallet and I'm glad I make my insurance guy work instead of me doing all the coordination I'm fine with it.

I know someone that had Geico and got rear ended. I think it took him a year to get it resolved. No thanks.
__________________
2018 TRD OFF ROAD
My Build
Dillusion is offline   Reply With QuoteReply With Quote
Old 09-24-2019, 09:23 PM #33
Dillusion Dillusion is offline
Member
 
Join Date: Aug 2018
Location: Hawaii
Posts: 852
Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice
Dillusion Dillusion is offline
Member
 
Join Date: Aug 2018
Location: Hawaii
Posts: 852
Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice
Quote:
Originally Posted by cb1111 View Post
A couple of points:

Regardless of who you go through, your insurance company will find out anyway.

If you use your insurance company then you'll have to pay your deductible and rental fees. You'll get those back once your insurance company has recovered costs from the other company.

Your insurance company will be a bit more of an advocate for you, while the other company will try to do everything to keep costs low. Your company still isn't your friend though.
Not true. I paid $0 out of my pocket for rental. I have your usual $500 deductible.
__________________
2018 TRD OFF ROAD
My Build
Dillusion is offline   Reply With QuoteReply With Quote
Old 09-24-2019, 11:43 PM #34
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
I went through my insurance to expedite things. They are handling everything for me. So far, so good.
unsub1 is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 09:51 AM #35
cb1111's Avatar
cb1111 cb1111 is offline
Member
 
Join Date: Jun 2019
Location: Washington DC
Posts: 579
cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice
cb1111 cb1111 is offline
Member
cb1111's Avatar
 
Join Date: Jun 2019
Location: Washington DC
Posts: 579
cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice
Quote:
Originally Posted by Dillusion View Post
Not true. I paid $0 out of my pocket for rental. I have your usual $500 deductible.
Then you either had rental coverage on your insurance or the other insurance agreed to cover it.
__________________
When in trouble - obfuscate
cb1111 is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 03:10 PM #36
Dillusion Dillusion is offline
Member
 
Join Date: Aug 2018
Location: Hawaii
Posts: 852
Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice
Dillusion Dillusion is offline
Member
 
Join Date: Aug 2018
Location: Hawaii
Posts: 852
Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice Dillusion is just really nice
Quote:
Originally Posted by cb1111 View Post
Then you either had rental coverage on your insurance or the other insurance agreed to cover it.
I for sure do not have rental on my side.

But I just find it funny some would not make their insurance agent do their job and take care of all the hassle.
__________________
2018 TRD OFF ROAD
My Build
Dillusion is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 04:24 PM #37
Ahkaprich's Avatar
Ahkaprich Ahkaprich is offline
Junior Member
 
Join Date: Feb 2019
Location: YeeeeHAW
Posts: 7
Ahkaprich is on a distinguished road
Ahkaprich Ahkaprich is offline
Junior Member
Ahkaprich's Avatar
 
Join Date: Feb 2019
Location: YeeeeHAW
Posts: 7
Ahkaprich is on a distinguished road
Quote:
Originally Posted by unsub1 View Post
So here we are. My 2018 ORP with C4 rear swing got rear-ended this morning and it's destroyed. Swing won't even open to view the damage to the hatch. Gobi ladder is crushed. Good times.

Any advice on how to proceed with this considering the custom bumper? Not even sure what I'm asking but outside of handling this like any other car accident where I call my insurance and such, anything I should look out for or keep in mind with all of the aftermarket add-ons?

Thanks for any input if any of you have been through this kinda thing.
I hope everything works out for ya!

Sucks that this has to be my first post, but I was rear ended recently as well (9/21). Only difference is, the driver fled on foot, leaving his car. Got his plates but no insurance info. Why can't we have nice things in this world?
Ahkaprich is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 05:11 PM #38
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
Dude, that SUCKS. Something like that was my biggest worry. Sorry to hear that.
unsub1 is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 06:38 PM #39
Ahkaprich's Avatar
Ahkaprich Ahkaprich is offline
Junior Member
 
Join Date: Feb 2019
Location: YeeeeHAW
Posts: 7
Ahkaprich is on a distinguished road
Ahkaprich Ahkaprich is offline
Junior Member
Ahkaprich's Avatar
 
Join Date: Feb 2019
Location: YeeeeHAW
Posts: 7
Ahkaprich is on a distinguished road
Quote:
Originally Posted by unsub1 View Post
Dude, that SUCKS. Something like that was my biggest worry. Sorry to hear that.

Worst part is, he's local. Found his social media page and we have mutual acquaintances.
Ahkaprich is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 08:19 PM #40
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
Quote:
Originally Posted by Ahkaprich View Post
Worst part is, he's local. Found his social media page and we have mutual acquaintances.
Oh jeez. Wow!
unsub1 is offline   Reply With QuoteReply With Quote
Old 09-25-2019, 09:00 PM #41
cb1111's Avatar
cb1111 cb1111 is offline
Member
 
Join Date: Jun 2019
Location: Washington DC
Posts: 579
cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice
cb1111 cb1111 is offline
Member
cb1111's Avatar
 
Join Date: Jun 2019
Location: Washington DC
Posts: 579
cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice cb1111 is just really nice
You can't be very bright to abandon your own car after an accident if there was someone there to identify you.
__________________
When in trouble - obfuscate
cb1111 is offline   Reply With QuoteReply With Quote
Old 10-07-2019, 10:57 PM #42
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
unsub1 unsub1 is offline
Member
 
Join Date: Dec 2017
Location: Austin, Texas
Posts: 382
unsub1 will become famous soon enough unsub1 will become famous soon enough
Parts are on order. Things are slow but steady.

Pulled off my swing to check the rear hatch and everything is still totally functional. The swing and ladder took most of the impact.
Attached Images
Here goes. Got rear-ended. What next?-img_4725-2-jpg 

Last edited by unsub1; 10-07-2019 at 11:02 PM.
unsub1 is offline   Reply With QuoteReply With Quote
Old 10-08-2019, 06:41 AM #43
Ezlife45 Ezlife45 is offline
Member
 
Join Date: Sep 2014
Location: Louisiana
Posts: 247
Ezlife45 is on a distinguished road
Ezlife45 Ezlife45 is offline
Member
 
Join Date: Sep 2014
Location: Louisiana
Posts: 247
Ezlife45 is on a distinguished road
Two words to say before they close out your claim: Diminished Value.
Ezlife45 is offline   Reply With QuoteReply With Quote
Old 10-21-2019, 07:19 PM #44
Ahkaprich's Avatar
Ahkaprich Ahkaprich is offline
Junior Member
 
Join Date: Feb 2019
Location: YeeeeHAW
Posts: 7
Ahkaprich is on a distinguished road
Ahkaprich Ahkaprich is offline
Junior Member
Ahkaprich's Avatar
 
Join Date: Feb 2019
Location: YeeeeHAW
Posts: 7
Ahkaprich is on a distinguished road
Hooray for progress!
Ahkaprich is offline   Reply With QuoteReply With Quote
Old 10-22-2019, 03:55 PM #45
jmickle11's Avatar
jmickle11 jmickle11 is offline
Member
 
Join Date: Oct 2005
Location: Indiana
Posts: 70
jmickle11 will become famous soon enough
MY GARAGE
jmickle11 jmickle11 is offline
Member
jmickle11's Avatar
 
Join Date: Oct 2005
Location: Indiana
Posts: 70
jmickle11 will become famous soon enough
MY GARAGE
Seek diminished value...below is what I had to do...it was a pain but just today I received a payout...I just updated my thread from August on my crash - 2019 SR5 Premium with 560 miles on it when I was t-boned:

Long post but worth the read if you are in a similar situation. I wanted to give an update on my diminished value claim. Once the 4Runner was repaired, I informed Progressive that I was pursuing a diminished value claim. Keep in mind in Indiana there is no set formula or legal requirement for diminished value.

I started out with a letter from my dealer stating diminished value along with a trade in offer from them showing the CarFax report with the significant accident on it. The dealer also gave an offer letter for an identical 2019 4Runner with no damage. Progressive rejected this and told me I actually had to sell or trade in my 4Runner to show that I actually lost value.

With that, I went a few steps further and did some research and Provided Progressive with the following information:
1. I obtained a purchase offer from CarMax in which they ran a CarFax and found the accident showing the price adjusted down for the accident.
2. I obtained a purchase offer from Carvana which also noted the accident and adjusted the price down.
3. Searched and found an identical used 2019 4Runner SR5 Premium with similar miles for sale that had a clean CarFax and printed that off.
4. Searched and found 4 2019 sr5 Premiums across the country with low miles with accident histories and printed off all of them showing far less sales prices than the clean 4Runners.

I submitted all of that and Progressive still refused any payout. I even escalated to the manager of claims and he stated that Progressives stance was that no payouts occur until the loss is actually realized by a sale or trade in.

Next step: I contacted the Indiana Bureau of Insurance to log an official complaint against Progressive outlining all of the information that I sent to Progressive. The Bureau of Insurance then sent a letter to Progressive giving them 20 days to respond...I did not see this letter but would certainly like to given my outcome.

Today I received a call from Progressive and they offered $2000 for diminished value. I accepted that offer.

So, bottom line is do your homework and stay with it. It's been a lot of phone calls, research and waiting but it paid off.
jmickle11 is offline   Reply With QuoteReply With Quote
Reply

Tags
accident , call , car , rear-ended , swing

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Rear ended? Beer Hounds 5th gen T4Rs 15 04-18-2019 12:41 AM
So i got rear ended... Tayzorz 4th Gen T4Rs 17 01-03-2013 12:50 PM
rear ended today. lift & ball hitch saved my rear! ciaz 5th gen T4Rs 13 04-21-2011 10:18 PM
rear ended hoss 4th Gen T4Rs 5 11-17-2005 03:33 PM
4th Gen Rear Ended Biff 4th Gen T4Rs 14 08-31-2004 11:31 AM

Powered by vBadvanced CMPS v3.2.2

All times are GMT -4. The time now is 09:30 PM.

Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2020, vBulletin Solutions Inc.
Search Engine Optimisation provided by DragonByte SEO (Pro) - vBulletin Mods & Addons Copyright © 2020 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2020 DragonByte Technologies Ltd.
User Alert System provided by Advanced User Tagging (Lite) - vBulletin Mods & Addons Copyright © 2020 DragonByte Technologies Ltd.
***This site is an unofficial Toyota site, and is not officially endorsed, supported, authorized by or affiliated with Toyota. All company, product, or service names references in this web site are used for identification purposes only and may be trademarks of their respective owners. The Toyota name, marks, designs and logos, as well as Toyota model names, are registered trademarks of Toyota Motor Corporation***Ad Management plugin by RedTyger
 
Copyright © 2019


Garage Plus vBulletin Plugins by Drive Thru Online, Inc.