got t-boned by another car-- opinions on damage

Bobbydigital

New member
I was driving on a road in a relatively congested area, and a car pulled out of a parking lot and t-boned me. initially the damage looked minimal

<img src="http://i.imgur.com/05WUSPH.jpg" width=1024>
running board damage and scratched up rim. hard to tell in the photo, but the running board was bent down slightly.

and the insurance adjuster from Geico looked at it superficially and estimated damage to be about $500 to buff/polish the rim, and replace the running board.

I took it home and took the running boards off and noticed that it immediately flattened out. I thought then that the bracket must have bent, but when I removed the bracket, it was not bent, and matched the same shape as the others. I removed the driver side running board as well. Comparing the mount points on the frame, I then noticed that there were stress points where the mount points on the frame had bent out slightly. The rear passenger side mount was more significant, and the middle was very slight, but noticeable if you ran your finger over it. The front mount seemed to be ok. On the driver side, as a comparison, the mount points were all flush to the frame.

Photos:
<img src="http://i.imgur.com/faVHJYd.jpg" width=1024>
<img src="http://i.imgur.com/z6cveQs.jpg" width=1024>

I sent the pictures to the Geico rep, and I have another appointment for them to look at that. Given that damage is on the frame, how involved is that going to be to fix? Assuming the damage is as it appears, it only affects the ability to properly install running boards, but I expect them to fix it. My suspicion is that it would be a rather expensive fix, but I don't really know.
 
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I was driving on a road in a relatively congested area, and a car pulled out of a parking lot and t-boned me. initially the damage looked minimal


I am very curious to see what they do about the frame. Sadly, once it is reported it will show up on the vehicle history report as frame damage, thus slamming your resale value. Its a hard sell to someone when you tell them "the frame was barley bent at all" because they picture this..
2-2-05.jpg


even if they just hammer the deformity out of the frame, it still counts a frame repair. Be sure to talk to your insurance about a diminished value claim or you will regret it.

on a side note. that wheel may be (is likely) bent. so dont just settle for a wheel that looks okay. PLEASE TRUST ME, I had this before with a similar accident and turns out even though the impact was not bad, the wheel was bent enough it would always shake my 4Runner.
 
Gotcha, apologies for my ignorance there. So, I'll then ask, that's better news, right?

Pretty much yeah. Frame damage would mean youve got structural damage. The body is not structural in that way. Especially with how little damage youve actually got there.
 
on a side note. that wheel may be (is likely) bent. so dont just settle for a wheel that looks okay. PLEASE TRUST ME, I had this before with a similar accident and turns out even though the impact was not bad, the wheel was bent enough it would always shake my 4Runner.

Also have the axle shaft and axle housing checked out to make sure they aren't bent.
 

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