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

[Gvsukids]

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[wildtaco]

Typical Nissan driver strikes again

 

[WILDHOBO]

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?

Absolutely not true. Insurance companies increase rates and drop policy holders due to the costs of those fires impacting the insurance companies as a whole.

 

[Sweetums]

The question was about vehicle costs, which was what I was referring to. California has long had insurance issues due to natural disasters and many companies just won't do business in the state anymore.
I was referring to the cost of new vehicles, which is not affected outside the local market and auto sales are plummeting right now, meaning prices are also correcting after the COVID bubble.

https://www.msn.com/en-us/autos/own...-faster-than-ever-after-accidents/ar-AA1Awimr

27% of all insurance collision claims are now considered total loss, up 43% from 5 years ago. This is due to the increase in technology integrated into newer vehicles, increase in parts cost, increase in labor costs to repair collisions, and a recent decrease in new car values in relation to the total cost to repair. It's not just the insurance companies, look at the growth of Copart over the same period of time.

 

[legacy_etu]

The question was about vehicle costs, which was what I was referring to. California has long had insurance issues due to natural disasters and many companies just won't do business in the state anymore.
I was referring to the cost of new vehicles, which is not affected outside the local market and auto sales are plummeting right now, meaning prices are also correcting after the COVID bubble.

https://www.msn.com/en-us/autos/own...-faster-than-ever-after-accidents/ar-AA1Awimr

27% of all insurance collision claims are now considered total loss, up 43% from 5 years ago. This is due to the increase in technology integrated into newer vehicles, increase in parts cost, increase in labor costs to repair collisions, and a recent decrease in new car values in relation to the total cost to repair. It's not just the insurance companies, look at the growth of Copart over the same period of time.

It's also due to manufacturers designing parts to be integral to the car and therefore are extremely expensive to replace. This intended design choice is done to reduce manufacturing costs but screws the end consumer in the long run with high repair bills or high insurance rates.

 

[MaximusTX]

I was blissfully ignorant of how to deal with this sort of thing up until this, so I was under the impression it was better to go through the at fault party’s insurance so it doesn’t affect my premiums, in addition to rental car expenses, plus a diminished value claim should they be able to repair.

I’ve done everything through their insurance up to this point, but with low state minimum liability limits (25k) I presume the window is still open for me to go that route if/when I come to it?

Having been in two separate car accidents both not my faults I would strongly suggest you go through your own insurance as others have suggested. Your insurance should not be affected as the accident was not your fault. They would go after the at fault party to re-coup any losses. They will also try and get your deductible back but in my experience it has never happened. Both of my accidents totaled my vehicles both of which were brand new F-150s less than 6 months old and neither times did my insurance go up.

 

[Blade1668]

I was blissfully ignorant of how to deal with this sort of thing up until this, so I was under the impression it was better to go through the at fault party’s insurance so it doesn’t affect my premiums, in addition to rental car expenses, plus a diminished value claim should they be able to repair.

I’ve done everything through their insurance up to this point, but with low state minimum liability limits (25k) I presume the window is still open for me to go that route if/when I come to it?

Unfortunately any and all incidents that are reported make it to your insurance company might not be soon. That goes for the statistics of vehicles crashes in your area along with others that have the same insurance company. That was a big reason why I had to change insurance companies from USAA my rates doubled without any claims or tickets but many people who have USAA auto insurance having incidents.

On the other vehicle's driver statement of only driving about 20 mph. B.S. if that vehicle has rolled over. The only way for that is off of a steep grade especially if a sedan. More likely 3 times that speed. I haven't seen any pictures, or of skid marks but I've definitely seen many and done the traffic crash investigations of some.

 

[Captain Jack]

Unless it is the same insurance company. Then I would look at taking to a third party. At least do an axle runout test.

from past experience, take it to a reputable collision shop and they can put it on the lift and run a laser check according to mfg. specs. Also the drive shaft u-joints should be replaced and the output trans case seals should be replaced, they will start leaking. The same with the rear end seals and again, a rear axle check. good luck

 

[username.jpeg]

I wish I had better news but after discussions with the shop and insurance company we’re basically at an impasse. They’re giving me a whole new axle and internals but refuse to go with a new frame or do more investigation on the transfer case and transmission. At this point I’m just going to take the loss and sell it as soon as I get it back from the shop and pursue diminished value.

I’m basically hoping they can’t get it back in alignment after they finish for any hope of a frame replacement, but as of now it looks like a restart.

 

[Sandman 4x4]

Hell of a first post.

There is what they think vs. what they actually know. Until it gets on a frame rack and measurements taken, they are just winging it thinking it is just Lego's and they can just remove and replace.

Who's insurance is running this? Me personally, I would be dealing with my own insurance and let them subrogate the claim against the responsible party insurance.

Yeah you’re absolutely right! For one thing the gap between the bed and cab in the main picture of drivers side seem wider at the top, I would have to run my finger up the seam, alongside a non touched Gladiator. If that’s so? I would suspect the frame is tweaked. That would warrant a totaled truck. Especially if you have all the stock bumpers, tires and wheels and whatever we don’t see, and switch them all, after all their not OEM.

 

[Y-Guy]

Before you accept anything, talk with a lawyer. You are getting sandwiched between these two and need somebody looking out for your interests.

 

[WILDHOBO]

I wish I had better news but after discussions with the shop and insurance company we’re basically at an impasse. They’re giving me a whole new axle and internals but refuse to go with a new frame or do more investigation on the transfer case and transmission. At this point I’m just going to take the loss and sell it as soon as I get it back from the shop and pursue diminished value.

I’m basically hoping they can’t get it back in alignment after they finish for any hope of a frame replacement, but as of now it looks like a restart.

Don’t accept that. Unless they PROPERLY measure the frame, you’re getting screwed. Don’t let them do this to you.

 

[username.jpeg]

Don’t accept that. Unless they PROPERLY measure the frame, you’re getting screwed. Don’t let them do this to you.

I totally understand that I’m being dealt the shortest possible end of the stick, but at the end of the day, my singular lawyer would stand about a 0.001% chance against the teams of insurance lawyers. I’ve informally discussed it with a lawyer and have been informed that by the letter of the law and the way I was parked on my street, there is room for them to say I had some degree of liability despite the truck being unoccupied and hit through the driver’s gross negligence. Living in a comparative liability state, I’d rather not open up that can of worms.

Unfortunately, I don’t have the time, effort, or resources to meaningfully impact the outcome.

 

[Stan H]

Absolutely not true. Insurance companies increase rates and drop policy holders due to the costs of those fires impacting the insurance companies as a whole.

@WILDHOBO is Correct mine just jumped 150.00 for no reason whatsoever . So I jumped ship and went to another insurance. Company .
It most definitely is affecting insurance companies as a whole . Problem is if people keep paying they will never drop rates.

 

[brsnow2585]

Getting hit like that so hard on a solid axle probably not only bent the frame(pretty obvious) but could also likely seriously blow out any and all drive line bearings from the rear diff up through the front of the engine, and all the mounting points in between, could have even bent the piston arms, engine mounts, front suspension parts. Had a rear diff self destruct about 3 months after getting rear ended in an s-10 blazer, after it was "frame straightened and 4wheel aligned". Best of luck, I'd do everything to stick them for a brand new ride, don't forget to throw in hardship.

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