Truck got flipped off the other day, 3rd Party insurance claim

[longrider8]

If they don't total it out, check with your insurance to get paid out for the depreciated value of the Jeep (in addition to them paying for repairs, etc). With this kind of accident/repair on the records, resale value is likely going to take a hit.

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[OldButStillJeeping]

Man, that really sucks. My 2 cents... I am not an attorney, and this is not legal advice. I do know some body shop folks though. If it were my situation...

If it were my JT I would say and do:

"That truck is a total loss. If the insurance companies don't 'Total" it, I'd hire an attorney. And bill the insurance companies with that agreement with my attorney.

They would normally call that a total loss, but with the price of Jeep JT's, they are pushing a repair. Seen that going on a lot more in the industry.

The frame is stressed and weakened, if not outright bent. The engine and transmission and their mounts are stressed. Rear AND front driveshafts are stressed. The safety components are stressed. The Safety and Integrity from original is destroyed. It is no longer safe to original standards. Or reliable.

They build crumple zones into things like control arms to save lives, NOT to make them fixable.

In normal use our Jeep axles and control arms go thru massive force just to drive and brake on the highway. And also to be able drive them offroad. It is a Jeep, so Integral to design is strength in on and offroad use and while towing. It is designed for it. Along with built in crumple zones to save lives. It is not designed to have a 3,000 lb or heavier car (?) hit the rear tire at speed while the truck is parked and stationary."

Good luck, OP

 

[WILDHOBO]

Man, that really sucks. My 2 cents... I am not an attorney, and this is not legal advice. I do know some body shop folks though. If it were my situation...

If it were my JT I would say and do:

"That truck is a total loss. If the insurance companies don't 'Total" it, I'd hire an attorney. And bill the insurance companies with that agreement with my attorney.

They would normally call that a total loss, but with the price of Jeep JT's, they are pushing a repair. Seen that going on a lot more in the industry.

The frame is stressed and weakened, if not outright bent. The engine and transmission and their mounts are stressed. Rear AND front driveshafts are stressed. The safety components are stressed. The Safety and Integrity from original is destroyed. It is no longer safe to original standards. Or reliable.

They build crumple zones into things like control arms to save lives, NOT to make them fixable.

In normal use our Jeep axles and control arms go thru massive force just to drive and brake on the highway. And also to be able drive them offroad. It is a Jeep, so Integral to design is strength in on and offroad use and while towing. It is designed for it. Along with built in crumple zones to save lives. It is not designed to have a 3,000 lb or heavier car (?) hit the rear tire at speed while the truck is parked and stationary."

Good luck, OP

Great write up. As a lay person with what I believe is common sense, I could not agree more.

 

[Sweetums]

Oops, I completely misread. No caffeine for lent

Years ago I gave up going to church for Lent.

 

[Sweetums]

Man, that really sucks. My 2 cents... I am not an attorney, and this is not legal advice. I do know some body shop folks though. If it were my situation...

If it were my JT I would say and do:

"That truck is a total loss. If the insurance companies don't 'Total" it, I'd hire an attorney. And bill the insurance companies with that agreement with my attorney.

They would normally call that a total loss, but with the price of Jeep JT's, they are pushing a repair. Seen that going on a lot more in the industry.

The frame is stressed and weakened, if not outright bent. The engine and transmission and their mounts are stressed. Rear AND front driveshafts are stressed. The safety components are stressed. The Safety and Integrity from original is destroyed. It is no longer safe to original standards. Or reliable.

They build crumple zones into things like control arms to save lives, NOT to make them fixable.

In normal use our Jeep axles and control arms go thru massive force just to drive and brake on the highway. And also to be able drive them offroad. It is a Jeep, so Integral to design is strength in on and offroad use and while towing. It is designed for it. Along with built in crumple zones to save lives. It is not designed to have a 3,000 lb or heavier car (?) hit the rear tire at speed while the truck is parked and stationary."

Good luck, OP

Insurance companies are much quicker to total out a vehicle now than ever before. The cost of parts is up the the cost of vehicles is down. It's cheaper for them you pay you out at current depressed replacement costs than elevated bodyshop labor rates.

 

[JTGuy]

If the air bag goes off, it's totaled. Too much electronics to replace.

 

[GeneralMaximus]

If the air bag goes off, it's totaled. Too much electronics to replace.

Would the airbags go off, when the vehicle is parked and turned off?

 

[Hootbro]

Would the airbags go off, when the vehicle is parked and turned off?

Generally no, they will not go off. Occupant restraint system is powered by a run/start relay.

 

[username.jpeg]

Generally no, they will not go off. Occupant restraint system is powered by a run/start relay.

I can confirm that no, the airbags did not go off. Moving it onto the tow truck showed no dash lights or anything like that either. The driver had a hell of a time driving it straight onto the flat bed.

 

[username.jpeg]

I apparently must've pissed off the shop pretty good and now they're pushing me off to State Farm because I told them there's no way that bending things back to place puts my truck back where it was at, or anywhere near a safe condition. I've attempted to talk to the insurance company, but unfortunately for me, they use a "claims team" which is bs for we're going to make it as hard as possible for you to talk to anyone with any idea about your claim, all through a convenient 1-800 number. My case is now the lucky recipient of an escalation, and I'll hear something from them at the blazing speed of 24-48 hours.

I'm thinking I'll email them the following since I'm better at writing than talking, plus I can't get anyone on the phone. What do y'all think?

My vehicle was stationary and in park at the time of the impact. The driver reported to be traveling at a speed of 20 miles per hour, however, given the fact that they were staring down at their phone and flipped their vehicle upon impact, their actual speed was likely significantly greater. Nevertheless, the estimated 3300 lb car going at an unreasonable rate of speed impacted my rear left tire, flipped over nearly instantly and still generated a sufficient crash impulse to not only bend nearly every rear end component, but also still push the much heavier (~5500 lb) truck roughly 5 feet forward as the right tire dug into the highly consolidated ground upon which it sat. After the wreck as pictured, the right front tire was only stopped as it impacted the curb of my driveway, turning the wheels rightward.

It is beyond unreasonable to assert that the sheer magnitude of this force would have no lasting impact on the residual integrity of the frame and associated brackets, and even more fantastical to state that further bending these components back into shape will restore my vehicle to its pre-loss condition per OEM specifications. What evidence or support could possibly be available to refute this?

Beyond the above, the drivetrain was subject to the same crash impulse and the movement of the axle forward likely may have jammed the rear driveshaft forward into the transfer case and/or transmission, doing thus far uninvestigated damage into the drivetrain, despite my efforts to inquire into the means and methods by which the repair facility could evaluate these concerns. Should the repair facility be able to even get the vehicle back into alignment, undoubtably and indisputably, hidden damage will remain. I do not believe it is possible for the stated repair methodologies to restore the vehicle to its pre-loss condition.

 

[OldButStillJeeping]

Insurance companies are much quicker to total out a vehicle now than ever before. The cost of parts is up the the cost of vehicles is down. It's cheaper for them you pay you out at current depressed replacement costs than elevated bodyshop labor rates.

Then the California fires happened.

"The cost of vehicles is down?" Sweetums, respectfully but with sarcasm; On what planet do you reside?

As for the insurance company(s). Its:

>50K to 80K to total it out and replace.

>30K to "fix and repair".

>A letter from the client's attorney: Priceless.

 

[OldButStillJeeping]

I apparently must've pissed off the shop pretty good and now they're pushing me off to State Farm because I told them there's no way that bending things back to place puts my truck back where it was at, or anywhere near a safe condition. I've attempted to talk to the insurance company, but unfortunately for me, they use a "claims team" which is bs for we're going to make it as hard as possible for you to talk to anyone with any idea about your claim, all through a convenient 1-800 number. My case is now the lucky recipient of an escalation, and I'll hear something from them at the blazing speed of 24-48 hours.

I'm thinking I'll email them the following since I'm better at writing than talking, plus I can't get anyone on the phone. What do y'all think?

My vehicle was stationary and in park at the time of the impact. The driver reported to be traveling at a speed of 20 miles per hour, however, given the fact that they were staring down at their phone and flipped their vehicle upon impact, their actual speed was likely significantly greater. Nevertheless, the estimated 3300 lb car going at an unreasonable rate of speed impacted my rear left tire, flipped over nearly instantly and still generated a sufficient crash impulse to not only bend nearly every rear end component, but also still push the much heavier (~5500 lb) truck roughly 5 feet forward as the right tire dug into the highly consolidated ground upon which it sat. After the wreck as pictured, the right front tire was only stopped as it impacted the curb of my driveway, turning the wheels rightward.

It is beyond unreasonable to assert that the sheer magnitude of this force would have no lasting impact on the residual integrity of the frame and associated brackets, and even more fantastical to state that further bending these components back into shape will restore my vehicle to its pre-loss condition per OEM specifications. What evidence or support could possibly be available to refute this?

Beyond the above, the drivetrain was subject to the same crash impulse and the movement of the axle forward likely may have jammed the rear driveshaft forward into the transfer case and/or transmission, doing thus far uninvestigated damage into the drivetrain, despite my efforts to inquire into the means and methods by which the repair facility could evaluate these concerns. Should the repair facility be able to even get the vehicle back into alignment, undoubtably and indisputably, hidden damage will remain. I do not believe it is possible for the stated repair methodologies to restore the vehicle to its pre-loss condition.

In my humble opinion, it's Good. But even better yet; Have your attorney send the letter.

 

[rhaney02]

I apparently must've pissed off the shop pretty good and now they're pushing me off to State Farm because I told them there's no way that bending things back to place puts my truck back where it was at, or anywhere near a safe condition. I've attempted to talk to the insurance company, but unfortunately for me, they use a "claims team" which is bs for we're going to make it as hard as possible for you to talk to anyone with any idea about your claim, all through a convenient 1-800 number. My case is now the lucky recipient of an escalation, and I'll hear something from them at the blazing speed of 24-48 hours.

I'm thinking I'll email them the following since I'm better at writing than talking, plus I can't get anyone on the phone. What do y'all think?

My vehicle was stationary and in park at the time of the impact. The driver reported to be traveling at a speed of 20 miles per hour, however, given the fact that they were staring down at their phone and flipped their vehicle upon impact, their actual speed was likely significantly greater. Nevertheless, the estimated 3300 lb car going at an unreasonable rate of speed impacted my rear left tire, flipped over nearly instantly and still generated a sufficient crash impulse to not only bend nearly every rear end component, but also still push the much heavier (~5500 lb) truck roughly 5 feet forward as the right tire dug into the highly consolidated ground upon which it sat. After the wreck as pictured, the right front tire was only stopped as it impacted the curb of my driveway, turning the wheels rightward.

It is beyond unreasonable to assert that the sheer magnitude of this force would have no lasting impact on the residual integrity of the frame and associated brackets, and even more fantastical to state that further bending these components back into shape will restore my vehicle to its pre-loss condition per OEM specifications. What evidence or support could possibly be available to refute this?

Beyond the above, the drivetrain was subject to the same crash impulse and the movement of the axle forward likely may have jammed the rear driveshaft forward into the transfer case and/or transmission, doing thus far uninvestigated damage into the drivetrain, despite my efforts to inquire into the means and methods by which the repair facility could evaluate these concerns. Should the repair facility be able to even get the vehicle back into alignment, undoubtably and indisputably, hidden damage will remain. I do not believe it is possible for the stated repair methodologies to restore the vehicle to its pre-loss condition.

Definitely time to lawyer up.

 

[Sweetums]

Then the California fires happened.

"The cost of vehicles is down?" Sweetums, respectfully but with sarcasm; On what planet do you reside?

As for the insurance company(s). Its:

>50K to 80K to total it out and replace.

>30K to "fix and repair".

>A letter from the client's attorney: Priceless.

California fires are a local market issue, they are not affecting national auto prices.

The one where Jeeps are stacking up on dealer lots with a stack of rebate cash on the hood. Wasn't it yesterday that someone posted a dealer knocking 35% off MSRP?

 

[OldButStillJeeping]

California fires are a local market issue, they are not affecting national auto prices.

The one where Jeeps are stacking up on dealer lots with a stack of rebate cash on the hood. Wasn't it yesterday that someone posted a dealer knocking 35% off MSRP?

Ah, Sweetums: When national insurance companies take a big hit, it spreads outward. Beyond region. It is just dollars and cents.

If fixing it is so expensive, and new marked down JTs are so cheap, why didn't they just total the OP's JT. That is not a question. They write the paperwork to full MSRP in claimant cases. It is frugal, a loss, and carries tax incentives.

I digress. Seriously. Never mind. This isn't worth a pissing match, all for no apparent reason. I don't have a horse in this race. I don't think that you do either.

Insurance companies are paid big money by all of us masses to replace a loss or claim to equal or better quality than what 'we' lost. That is what they are paid for.

Be well. Be safe. I am done with this thread. Good luck to the OP. To Sweetums: Cheers.

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