Join Date: Nov 2016
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I'm sitting at a red light, in the left turn lane, second vehicle back. It's raining. A Lincoln Navigator makes a left turn, coming from my right. My wife was in the truck with me and it was like slow motion. I had enough time to say, "That guy thinks he is Mario Andretti", and then, "Look, he is breaking loose in the rain". Then he can't recover from his slide and jumps the median and hits the driver side of my truck. Ugh. It is 3 months old and has 4,000 miles on it. King Ranch Ultimate package.
Driver doesn't speak english, but does have insurance. The damage doesn't look all that bad, but it did crunch the bed in front of the fuel door, the bottom of the cab, and the rear door. I drive it around a few days while arguing the process with his insurance company. They sent an estimator to my house, and immediately sent me a check for $3,700. I tore that up. I took it to a reputable body shop. They took it apart, met with the estimator, and adjusted it to $22,000. The insurance company called me and said he only had $20,000 in coverage, and I should file a claim with my own insurance. I declined and took the $20,000. I will have to cover the additional $2k.
It has been in the shop for two months. No rental car, but I can use my wife's car. I have visited my baby a few times, and it is pretty sad. The cab is being worked on in one area, the bed in another, and the chassis is in the bay. Doors and tailgate are stacked in racks. The rear seat, carpet, headliner and back window are out. Ford sent someone out to audit the technician for continued certification and they told me it was exactly to Ford specs.
I just can't imagine the truck will ever be the same. Any pro will be able to find the rivets that Ford specs to re-attach a panel, even though they are hidden under trim. I'm actually glad that they can't bondo aluminum. Everything is new, but it is still pretty sad. My kids say I should have pocketed the $20k and put it up for sale. I'm starting to think they may not have been wrong.