Hail damage - insurance totaling

1blink · 2013-07-30T02:50:27+00:00

We had a hail storm here in June...I finally washed my 4runner yesterday and realized I had a bit of damage. The adjuster was very thorough...found enough dings (over 100 in the hood alone, although i can't see nearly that many) to justify totaling the truck out. Naturally I will buy it back, the dents are not that noticeable, and the insurance check will probably cover the new paint job I have been wanting since the clear coat started to fade. What I am wondering, as I wait to hear back from them with an offer, is what is my truck worth right now? 1997 SR5 206k miles 4x4 manual with e-locker No rust, body and frame in good shape Toytec 3" spacer lift front, OME 890 coils rear with Firestone air lift bags new clutch, timing belt, current on all maintenance excellent condition 265/75/26 Goodyear Silent Armor tires, new wheel paint Stubbs HD-SKO rock sliders fully sound dampened interior complete with foam and mastic, sealed doors for better midbass response, high end speakers all around, 5 channel amp, pioneer dvd navigation head unit Wired with CB on a drifter mount Yakima Loadwarrior with custom low profile mount Tinted windows Sunroof Clean interior, Wet Okole seat cusions complete with custom hardwired seat heaters switched in center console Last week my ac compressor froze up, so i ordered a new compressor and all the parts that go along with a proper ac job. Having just worked a bunch of overtime, I also finally ordered the Toytec Ultimate lift with Superflex rear coils I have been eying forever. Also ordered ITRE's and a spare cv axle with my upcoming Colorado trip in mind. With $2000 in parts already on the way and many hours into the sound deadening project, this truck is staying with me. I'm seeking input on what a reasonable offer from Allstate would be for this truck's total value. They will subtract about 30%, give me a check for the rest, and let me keep the truck.

Thread starter 1blink
Start date Jul 30, 2013

4yotaguy

New member

Aug 1, 2013

1blink said:
The insurance adjuster just called me with the final numbers. Final payout after $50 deductible of $3040. They consider this $100 shy of totaling the vehicle, so no salvage title. I would consider this the best possible outcome, so I am very happy today!

man that's awesome, you never want a salvaged car. The cost to insure it is more (for what reason I'm not sure) and the value paid out is squat....the adjuster did it right!