Plow truck took my 16 Trail out.... Need damage advice

[houlds]

Well on Saturday a City plow truck took out the drivers side of my 11month old Trail and hitting every part of my vehicle. Plow driver took responsibility and the parking ban expired at 9am that morning and I was legally parked since it was noon. Plow truck hit it with his side plow while backing down the street after sanding.

Had the insurance adjuster for my insurance come out today and he gave me a quote of $7,400 for parts, labor, AND paint. Does the quote seem incredibly low to you? I told them I want new OEM parts and will be using one of the best body shops in the area. The vehicle is only 11months old and has 170xx miles on it.

What do you all think about this damage and how severe it is?

 

[ScottR]

Man, that really sucks! Sorry your rig had to experience such carnage. My guess is a new driver's fender & door, passenger door looks like it needs a new skin and perhaps the quarter panel can be repaired without replacing.

I think the estimate is light by a couple grand...call it ~10K.

 

[skt4271]

What pillar is the last picture? Looks way more than $20k to me. If the pillar is bent, I'm not insurance pro, but isn't that a safety thing and be totalled?

 

[houlds]

What pillar is the last picture? Looks way more than $20k to me. If the pillar is bent, I'm not insurance pro, but isn't that a safety thing and be totalled?

That is the A pillar where the drivers side door is. The hinge is sheared off almost and when I open the door it almost falls off.

 

[wfo9]

I would not worry about the estimate (it is way low IMO, but I'm just guessing)... The shop will work with the insurance to fix it to your satisfaction... You just pay the deductible. Simple as that. I have never had a problem with this in recent years... It was previously crazy..., but the industry has gotten much better about new car repairs when they don't total it. Main issue now is they just total everything. Yours might even be a total loss once they dig in...the adjuster is doing you a favor by setting it low.

 

[Bumbo]

I saw the picts... and only thing that came to mind was dang, the city has a 2500 Denali HD plow truck?

Also... damage doesn't look bad at all.

 

[houlds]

I would not worry about the estimate (it is way low IMO, but I'm just guessing)... The shop will work with the insurance to fix it to your satisfaction... You just pay the deductible. Simple as that. I have never had a problem with this in recent years... It was previously crazy..., but the industry has gotten much better about new car repairs when they don't total it. Main issue now is they just total everything. Yours might even be a total loss once they dig in...the adjuster is doing you a favor by setting it low.

At this point with the NADA value and what I owe them totaling it will do me a favor. This accident and how much will kill my resale value since it's only a 11months old.

 

[houlds]

I saw the picts... and only thing that came to mind was dang, the city has a 2500 Denali HD plow truck?

Also... damage doesn't look bad at all.

Was a 10ton side plow. Damage doesn't look bad? Every quarter panel has been touched and will need to be replaced on a new car.

 

[Bumbo]

Was a 10ton side plow. Damage doesn't look bad? Every quarter panel has been touched and will need to be replaced on a new car.

Structurally the damage doesn't look bad.

I've seen a lot worse be repaired and road worthy. The only area of concern is the hinge.

Quarter panels R&R is basic body shop work. Looks bad, isn't really that bad.

 

[alphabeast]

A.) That sucks. B.) This actually made me consider something I never had in the past - if a city is responsible for plow damage during a parking ban and C.) I may be way off base and I'm sure that insurance varies from state to state depending on the company, but you should absolutely get OEM, and who cares what they "quote" is - you do not and should not pay a penny (minus deductible). I get the necessity of insurance, but if you need to push back to get OEM, or question their quotes for fear of some future price increase retribution, its time to shop for a new insurance company.

 

[shadowmaker]

I would not worry about the estimate (it is way low IMO, but I'm just guessing)... The shop will work with the insurance to fix it to your satisfaction... You just pay the deductible. Simple as that. I have never had a problem with this in recent years... It was previously crazy..., but the industry has gotten much better about new car repairs when they don't total it. Main issue now is they just total everything. Yours might even be a total loss once they dig in...the adjuster is doing you a favor by setting it low.

Pay the deductible? It shouldnt cost him a penny out of pocket.

OP look into diminishing value reimbursement, some states allow it, some dont.

 

[octanejunkie]

Sucks man, but it may be a favor to you. If the door pillar is bent they may total the car out, you shall see in due time.

I would put the car in the body shop, and if you have rental car coverage, take a rental. if you don't have rental car, then go through the city's insurance carrier to handle the claim.

In the end, all your fees/expenses will be repaid, including your comprehensive deductible, since it was not your fault. Good luck.

 

[Magnetic]

Well on Saturday a City plow truck took out the drivers side of my 11month old Trail and hitting every part of my vehicle. Plow driver took responsibility and the parking ban expired at 9am that morning and I was legally parked since it was noon. Plow truck hit it with his side plow while backing down the street after sanding.

Had the insurance adjuster for my insurance come out today and he gave me a quote of $7,400 for parts, labor, AND paint. Does the quote seem incredibly low to you? I told them I want new OEM parts and will be using one of the best body shops in the area. The vehicle is only 11months old and has 170xx miles on it.

What do you all think about this damage and how severe it is?

I had a less than one year old Camry that looked better than that, before the body shop started to tear it a part.

Insurance company called back and said it was totaled.

As it was under a year old, my policy coverage was full new car replacement.

At less than a year old, I would push for replacement.

Best of luck either way...

 

[billnourse]

There's no deductible for this. The plow pays for it all.

Bill

 

[e60ral]

if it's city/county it will be a PITA, pay the deductible and file through your own insurance. you will eventually get the deductible back and it will be a much easier process.

 

[1jzgte]

I would not worry about the estimate (it is way low IMO, but I'm just guessing)... The shop will work with the insurance to fix it to your satisfaction... You just pay the deductible. Simple as that. I have never had a problem with this in recent years... It was previously crazy..., but the industry has gotten much better about new car repairs when they don't total it. Main issue now is they just total everything. Yours might even be a total loss once they dig in...the adjuster is doing you a favor by setting it low.

Wouldnt the plow truck be liable for his deductible? Wouldn't it be the plow trucks insurance paying for all repairs? I hate to see stuff like this. That door aint ever gonna open and close like it did from factory.

 

[e60ral]

Wouldnt the plow truck be liable for his deductible? Wouldn't it be the plow trucks insurance paying for all repairs? I hate to see stuff like this. That door aint ever gonna open and close like it did from factory.

You'll get your deductible back through subrogation

Sent from my SM-G930V using Tapatalk

 

[Inv4drZm]

If you have to get a new truck, maybe you won't get the snow-camo color next time?

 

[chmura]

I would take the adjusters quote with a grain of salt. I think they low ball you because if you decide to take the cash the insurance company is making money off of you.

My moms 2017 CRV was rear ended. Adjuster quoted $5k. But when the repair shop was done with the car I saw the bill and it was $12k.

 

[Jetboy]

The best thing you can do is take it to a Toyota certified repair shop. It often is just marketing, but in this case it really means something. They have very high standards. And they know Toyota paint. Most shops will argue up and down with you that Toyota super white is a base clear. It's not. At least a Toyota certified repair shop will be honest and tell you that; yes it's single stage, and no they will not repaint it with the same paint. They will use a base clear and try to blend as best they can.

You absolutely need to ask for diminished value. It may be significant. I think $5,000 is a good starting point. There's no question your repaired vehicle - even if perfect - will be worth at least $5,000 less than an unrepaired one. In this case it may be worth hiring a lawyer. I think you'll find that the diminished value is worth the fees.