Think she is totaled?
- Thread starter Bundles09
- Start date
Jerrydog
New member
Nah thats not totalled.... if its jsut that side and no glass broke and the back door to front door crease is even its about 6k damage.
Make sure they repaint the entire drivers side and check the jambs for smooth shinny paint not overspray. God that makes me mad when shops do that!!!!
Make sure they repaint the entire drivers side and check the jambs for smooth shinny paint not overspray. God that makes me mad when shops do that!!!!
krupnation
New member
:iagree:
I know it sucks but in the long run for resale it's probably the best outcome. Sucks either way though, glad no one was hurt by the drunk a**hole who did that.
If it doesn't get written off I would get it fixed up and trade into an equivalent replacement then go after the other guy and his insurance for the difference - I doubt any court is going to have much sympathy for him if it comes to that but hopefully you are in a state that compensates for loss in value. (There's a guy in Vancouver fighting for this right now in Canada since we have no provision for it up here).
Oh and I saw the pics for proper today - that bend of the rear axle could well have transmitted into the TC and the prop shaft. With any sort of frame damage on top I think you are down for some serious $$$.
I suspect a quote at a Toyota dealer will send you into write off territory and a quote by the insurance company repair cowboys will not - be prepared for a fight !
Good luck!
I suspect a quote at a Toyota dealer will send you into write off territory and a quote by the insurance company repair cowboys will not - be prepared for a fight !
Good luck!
Update- Still trying to get it out of the impound and should have some eyes on it by Tomorrow.
Would I have to tow it to a toyota dealer to have them appraise it? Would they consider coming to a body shop to asses the damages?
Too bad here in Colorado finding a 4runner for sale with low miles and in condition is like finding a needle in a haystack. I'd rather avoid the stealership.
Would I have to tow it to a toyota dealer to have them appraise it? Would they consider coming to a body shop to asses the damages?
Too bad here in Colorado finding a 4runner for sale with low miles and in condition is like finding a needle in a haystack. I'd rather avoid the stealership.
glock56534
New member
Sorry to hear about this, Bundles. I hope your insurance company totals it out and gives you a good sum of money to get a replacement vehicle.
12guns
New member
Alot of dealerships don't have body shops. Mechanical hourly rate will be higher at the dealership, but with the damage I'm seeing, it may not be totaled. Even though most insurance companies will write their own estimate, you should get one of your own to give you an idea how much damage there is. Keep in mind the body shop WILL write a high estimate, higher than the insurance company. Normally due to the shop assuming damage they may not be able to see yet and due to parts useage (used vs. OEM). You can demand oem parts, but 90% or insurance companies will use whatever is cheaper due to the state laws that allow them to. Good luck, hope it all works out. IF it is repairable be sure the shop you pick, or they reccommend, give you a lifetime warrantee on all their work.
There's substantial hidden damage there. I'd almost bet it would be totalled. As far as insurance companies not paying true value, I completely disagree. In most cases, they pay more than you ever would have been able to sell it for. You get what you pay for in terms of insurance companies (look at your state insurance commissioner website for complaints filed against auto insurance carriers). You'll see what I mean.
If you own it outright or have a loan, retaining salvage is an option. Insurance companies send the salvage to auction. 4runners bring big bucks in terms of salvage value. If possible, try to retain salvage on the vehicle if you have the patience/time selling parts here and there.
Then again, salvage is likely to be at least 5k on that vehicle.
The laws vary state to state in terms of what is deemed to be a total loss. I've seen estimates from 70 to 85 percent of the actual cash value.
Again, for a repair facility to write a thorough/complete estimate on that vehicle a whole lot of teardown will have to be authorized.
There's also diminished value if it's determined to be repairable (that would be a claim against the other insurance carrier). Again, these laws vary state by state.
Feel free to send a PM with any questions. You should be able to handle this claim without representation from a lawyer. Lawyers want the injury claim. There's no money in representing property damage.
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If you own it outright or have a loan, retaining salvage is an option. Insurance companies send the salvage to auction. 4runners bring big bucks in terms of salvage value. If possible, try to retain salvage on the vehicle if you have the patience/time selling parts here and there.
Then again, salvage is likely to be at least 5k on that vehicle.
The laws vary state to state in terms of what is deemed to be a total loss. I've seen estimates from 70 to 85 percent of the actual cash value.
Again, for a repair facility to write a thorough/complete estimate on that vehicle a whole lot of teardown will have to be authorized.
There's also diminished value if it's determined to be repairable (that would be a claim against the other insurance carrier). Again, these laws vary state by state.
Feel free to send a PM with any questions. You should be able to handle this claim without representation from a lawyer. Lawyers want the injury claim. There's no money in representing property damage.
:I doubt it will make any difference. Unless the dealer has a shop (rare these days), they won't want it there. Most dealers have a couple shops that do all their work and most work directly with insurance carriers.
The insurance company will get involved either way. Estimates for the damage will vary as much of the damage is hidden. IMHO, it looks like a mess. The XREAS has been compromised and that rear qtr/suspension is significant from what I can tell.
Plus, if you have rental coverage, you have to factor how long that vehicle will be in the shop. Think about it: 30 to 40 days at a minimum of $30/day for an econobox rental car ads up.
Salvage will be high since the engine compartment/transmission are likely fine.
Let us know the outcome.
ryanbt
New member
I am not an insurance adjust by any means, however a T4R.org member, gaberelli, had a tree fall on his T4R last year and it was not totaled, see thread:
http://www.toyota-4runner.org/4th-gen-t4rs/69525-totaled.html
http://www.toyota-4runner.org/4th-gen-t4rs/69525-totaled.html
It is not YOUR rental coverage if you are a claimant. You are entitled to a comparable vehicle (not econobox) from the day of the accident from the insured. This WILL increase the total claim amount paid by the insurance company and increase the chance it will be totalled if you let them know on day one you are getting a comparable SUV billed to the carrier.
Insurance companies are doing their best to squeeze out lost adjusting expense, but don't let them do it. Also, good luck re-selling once the CarFax/autocheck is red flagged with "frame damage" if they do fix it. Deduct 20-25% of book value at trade in. Get a quote/appraisal on the car after the repair (if not totalled) taking frame damage into account and see how much it kills your re-sale.
12guns
New member
Rental standards are state by state. Arkansas says the insurance company owes "basic transportation" which can include small cars. The company I work for will agree to provide an suv/truck/van if the need is there.
If it is repairable and you claim depreciation, good luck prooving it. Even if you sell it and take a loss on paper, you still can't prove the actual loss and $ amt. Not that there is not a loss, but bottom like I have yet to hear a way to prove the actual dollar amt. Dealer quote, percentages, and such are always used, but never prove anything.
I believe Colorado requires a "comparable class." Love how insurers will decide if "the need is there." Maybe for an insured if it is in the policy, but I don't see how they have any right to decide for a claimant what replacement is "needed." If a claimant loses use of his vehicle for a month or two, he has lost the right to use of his personal property. Deserves to be compensated for the loss.
Never said the Insurer would pay diminished value (though they have), but the vehicle will be worth less when is traded or sold after it is repaired. It's going to hit Autocheck.
Never said the Insurer would pay diminished value (though they have), but the vehicle will be worth less when is traded or sold after it is repaired. It's going to hit Autocheck.
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12guns
New member
Right you are, I was just saying in Arkansas, it is a business decision or customer service issue to give a rental of the same size, not required by the state.
As for DOV, first party will NOT cover loss of value except for in a couple states where it is mandatory. For a third party, the burden of proof is on the vehicle owner to prove their loss. You're right that the vehicle will be worth less, however the sucky part is nobody can "prove" their loss by putting a dollar figure on that loss. Your example: you did indeed miss a sale, but how much is that worth? Another example: A person trades their vehicle in and takes a "loss" on paper, but then you have to keep in mind the dealership has an interest in giving a lesser value for the vehicle. Afterall, they will make more profit when they mark it up to market value.
Sorry to ramble, didn't mean to get off topic. And for the record, I don't agree that anything I said is "right" but mearly what happens in my state with or without legal representation.
Keep up updated on the damage totals and if it's repairable or not! Good luck and feel free to pm me if I can help.
weifert
New member
A friend of mine had his car totaled recently. Insur company offered him a payoff amt. My friend thought the amt was low so he pulled quotes off the Internet for similar cars for sale (my friend was right, similar cars were priced higher than the insur company's offer). He sent the higher priced cars to his insur company, negotiated for about a week and ended up getting about 15% more from the insure company as compared to their initial offer.
Good luck.
Good luck.
I'm with Jeff.
