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post #1 of 10 Old 07-16-2009, 10:34 AM Thread Starter
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Truck total loss

Well my truck has been determined a total loss. Now the fight begins to get enough money to reaplace. From searches i cant reaplace my truck for less than $14000.00. That is to reaplace the truck only. I also am trying to get almost $5000.00 in mods paid. I can prove the mods are there and and comparable prices.

Any help in dealing with the insurance company would help me alot.

Dale

99.5 F 350 Totaled
2000 F350 Lariate
CC
SB
4x4
4" turbo back
cold air. Zoodad
Banks big head
Wicked wheel
4" BDS lift. With Bilstein's
all brought together by TW
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post #2 of 10 Old 07-16-2009, 10:47 AM
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What happened exactly?

"Load your mags, clean your rifle, and pack a backpack!"



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post #3 of 10 Old 07-16-2009, 11:27 AM
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When I totaled mine they were pretty generous I was able to get most everything payed for. wheels, chip, intake, gauges, shell and some other things. I just had to gather up all my receipts. They did say no to some things as well. but make sure everything that you send them receipts for is still on or in the truck. They sent out a separate adjuster to to take pictures of everything that they had receipts for he even called wanting to know what everything was and where in the truck it was located. I have heard some companies wont give you anything as well. just hope for the best. Good Luck

2002 F350 Crew cab Lariat
Power Hungry Performance Gryphon- Custom Tunes
GTP38R
Bellowed Up pipes
NON-EBP Pedistal
4 Inch Lift and 35 inch Goodyear DuraTracs
AFE Stage 2 Pro Guard 7
MBRP 4 inch turbo back
GDS High flow power outlet
Zoodad mod
Tranny cooler
Trans go shift kit
Airlift Bags with compressor

1996 extended cab 4x4 Powerstroke TOTALED
5 speed, heavy duty clutch
AFE stage 2 intake pro guard 7 filter
4 inch Diamond Eye turbo back exhaust
cat delete
TW chip
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post #4 of 10 Old 07-16-2009, 11:27 AM Thread Starter
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The adjuster just offered me $7500.00 + tax titel and license for a grand total of $9500.00. What a slap in the face.

Dale

99.5 F 350 Totaled
2000 F350 Lariate
CC
SB
4x4
4" turbo back
cold air. Zoodad
Banks big head
Wicked wheel
4" BDS lift. With Bilstein's
all brought together by TW
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post #5 of 10 Old 07-16-2009, 11:41 AM
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They are gunna low ball you hard. They dont like paying out what its worth. Its gunna take you a couple weeks to get what u want out of it. Most people hey deal with dont know or dont care so they just roll over and give in right out of the hole.
When i wrecked my 1998 dodge 2500 ex cab sport 4x4with 80kand a 360 they told me that i could replace my truck for 4500 bucks. So i asked them where they got the info. He told me that they found a truck just like mine on auto trader for that price. It was a 1996 1500 2wd strd cab short bed with a v6 and 165k miles.
So i just kept fighting it. I didnt have any reciepts for the parts cuz i was young and dumb, also because when i built the truck i worked at a dealership and got a big discount. i had to leave my job because of the wreck and i couldnt get that price anymore so i had to find all the parts at parts houses and stuff to get prices and gave them that info. After 3 weeks of arguing with the adjuster daily i finally got the money to replace "my" truck and all the aftermarket stuff on it at full retail.

Just hang in there and dont back down until you get what you deserve. As long as you have viable proof they have to give your replacement value if its in there contract, as it was in mine. I had to remind them of that a couple times.

If you have any Q's pm me and ill do my best to help!!
Good Luck

'99.5 F-250 SD PSD CCLB 4X4
Terminator Engineering, aFe, Airdog, Aeromotive, Skyjacker, Pink Stallion, Toyo M/T's, Fuel Octane 20x12's, Garrett, Banks, Diamond Eye, TransGo, Rockford Fosgate, Pioneer, Dp Tuner F6 Live, Aeroforce, BD Diesel, '11 Bed, '10 Bumper,'11 Tailgate, '05 HD heads, HID's, KC's(HID), Home-Made Traction Bars, 4KW Gear Reduction Starter, Ya know.... The Usual.....

Your gunna have to climb over a smokin pile of brass to get my guns!!
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post #6 of 10 Old 07-16-2009, 11:58 AM
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there first offer to me was 7000 a few weeks later and all my receipts they ended up giving me 13,400. keep fighting

2002 F350 Crew cab Lariat
Power Hungry Performance Gryphon- Custom Tunes
GTP38R
Bellowed Up pipes
NON-EBP Pedistal
4 Inch Lift and 35 inch Goodyear DuraTracs
AFE Stage 2 Pro Guard 7
MBRP 4 inch turbo back
GDS High flow power outlet
Zoodad mod
Tranny cooler
Trans go shift kit
Airlift Bags with compressor

1996 extended cab 4x4 Powerstroke TOTALED
5 speed, heavy duty clutch
AFE stage 2 intake pro guard 7 filter
4 inch Diamond Eye turbo back exhaust
cat delete
TW chip
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post #7 of 10 Old 07-16-2009, 12:10 PM
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My fingers are crossed for ya!!!

2001 F350, Lariat SC LB 4X4 PSD
Quadzilla Commander
Zoodad with Stealth Screen


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post #8 of 10 Old 07-16-2009, 12:13 PM
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my ins. said i had to have extra ryders on my ins. to cover anything that wasnt factory installed when my 01 X got broke into so i didnt get anything except for the window...good luck

Name-Troy Lincoln
96 F-250 4X4 stroked xcab shortbed 5 speed
01 EXCURSION LIMITED 4X4 V-10 brute force intake dual exhaust
02 EXCURSION LIMITED 4X4 stroked ts 6 position 4" dp and duals hers now
06 F-250 4x4 6.0 auto lariat crew cab short bed Dads ride
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post #9 of 10 Old 07-16-2009, 12:16 PM
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Sorry for the loss. Here in Louisiana you are entitled to blue book retail + sales tax. I don't know what your entitled to where you are. I'd keep fighting and not settle for anything less.

early 99 prod. date 3/98
F-250 4x2 crewcab
tymar intake
KCM SS HPX crossover
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post #10 of 10 Old 07-16-2009, 12:18 PM
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I think it depends on who your insurance company is. I had one stolen a couple years ago, and they (State Farm) gave me not only retail, but covered all the aftermarket items that I had receipts for. I ended up making money on the deal, which is unheard of. I didn't have to fight for it, so I know I was lucky. Try showing them proof of what it would take to replace it by finding like trucks on autotrader, dealer web sites, etc. Best of luck!

2005 SC Lariat FX4
AFE intake
Superchips Flashpaq
4" turbo-back MBRP cat delete
Ranch Hand front replacement
315 BFG A/T's on stock rims
Rhino liner
Spit cup in console cupholder (driver's side)
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