Ugh that sucks. You won’t be the first or the last to have to repair one. At least you see to have found a good shop and cool that ford sent a rep of whatever. I think once they done, only you will know. Please keep this thread going with pics, neat to see. As long as no frame or engine or tranny damage you should be glade. Did you look up state minimums? I thought most states were 25k min liability but sounds like that parts closed out. Also your lucky the dude had insurance, seems like a lot don’t these days

 

Thankfully nobody was injured and you are lucky they had some insurance.
I had a 16 F350 crew 4x4 PS that was 1 week short of year old. Young girl with learners permit blew a red light & hit me in the drivers door, drivers rear door & bed. Ripped the rear axle loose and spun the passenger side into a stoplight pole, creaming the passenger side rear of cab & bed. Thank goodness for side airbags! Nobody injured. The other parties insurance declined to cover the accident, so I had to use mine. Adjuster stopped adding at $38k damage & totaled it out.
Now I have a 17.

 

. The other parties insurance declined to cover the accident, so I had to use mine..

Crazy how they can just decline coverage like that! What was their reasoning? We had a car drive through the front of one of our stores a couple year ago and their insurance declined to pay until we took them to court. Sad that’s what you have to do now days to make people do the right thing!

 

State minimum in NV is $20k. Recently upped from $10k. Actually kind of funny how the adjuster tried to send me $3,700 and get me to go away. They are used to kids looking at a $3,700 check in their name and saying, "Yeehaw, I can drive it wrecked and keep the cash". When they saw it would exceed their coverage, they tried to get me to turn to my own insurance. I've been around long enough to not fall for that one.

I did a lot of research and I am convinced I found the right body shop. I have dropped in several times to check on the work, and the tech was always going through a phone book sized tech book from Ford to make sure everything was perfect. It is a very large shop with dozens of high end vehicles being worked on, but he is the aluminum Ford guy. They just sent me this pic over the weekend and told me that it would be done on Wednesday. Considering that it depreciates about $1,000 a month, they have had it for $2,000 worth of time.

 

Hearing stories like this makes me glad my Canadian province has government owned insurance. There is no option. Registration and insurance is one company. Collision and liability is standard insurance. We just have deductibles of $700 for basic insurance and $100-500 options for package policy insurance programs. I could ram your truck and just say oops, pay my $100 because I would be at fault and both our vehicles would be fixed. No problem at all. Insurance for my truck cost $120/month for standard coverage and $50/month for my commercial package policy.

 

Glad to hear that everyone was ok after this incident.

My wife is an insurance agent and I often hear the horror stories like this especially when state minimums are involved. Fortunately her firm will not write state minimums. States need to wise up and seriously jack up their minimums. Cars are becoming ever more expensive and $20k won't cover a dang KIA these days. In your case, you are having to come out of pocket $2k which frankly isn't right. If the dude had totaled your vehicle, you'd probably be upside down of no fault of your own. This is why lawyers get involved because the good guys like you get screwed and have to recover your loss for the cheapness and stupidity of others.

Vent closed. /

 

I have good insurance, which includes uninsured/ underinsured coverage. It sucks to make a claim against it though. In the long run, a claim will cost me more than $2,000, so paying the out of pocket made sense. It is supposed to be done today. Wish me luck.

 

My sympathies but it looks like they did a nice job. I’m no lawyer, but could you take the driver to court (small claims) for the $2k? He’s still liable whether his insurance pays for the full amount or not. Maybe get an old Navigator out of it? :grin:

 

I got it back yesterday. I'm pretty impressed. It even smells like a new truckk again. I just noticed that the electric trailering mirrors aren't working, but I will drop it by to fix that

 

with that kind of damage coming up on a carfax I may look at a diminished value payout also

A Diminished Value Insurance Claim is when you request an amount of money from your car insurance company to compensate you for the difference between your car's value before the repairs (prior to the accident) and its current value now that it has been repaired.

 

The problem with trying to get a diminished value payout is the same problem with trying to get a rental car. I had reached the limits of their coverage. That turnip had no more blood. The body shop also did not report it to Carfax, per request. Nor did the police report.

I took it back to the shop today because the trailer mirror buttons were not working. Turned out there is an advanced option in the menus that turns it off, somewhere. They fixed it. Life is good.

 

Then i guess the diminished value payout would have to come from your insurance ? I would at least inquire

as far as this payout limit
I know more than one case where an individual took out city utilities ( traffic control box, transformer,power pole, and after the insurance max payout limit was reached the individual was on the hook for the rest.

these folks with minimum liability have no idea what they are risking.

 

From going through diminished value on my truck, your own insurance will not pay out on something like that. It has to be from the other person's insurance.

 

there is all kinds of circumstances that your insurance may pay out and also many that they won't

never hurts to inquire

https://www.iii.org/article/what-is-diminished-value

 

I know this struggle all to well. I have an 18 i bought back in July of 18. December of 18 I was turning and the car ran the red light on me and made contact with the fog light on passenger side. That car was doing 65mph. I am just about $30k worth of damage. Truck has been in the Shop since december and I am hoping to have it back to me in just a few weeks. We are currently in a lawsuit with his insurance company as they do not want to pay the full damage to the vehicle. They have pretty much replaced the whole front end along with the truck has a brand new frame from front to back. I am worried how the vehicle will drive when I get it back or what the carfax will show as I know I will never get back what I owe on the truck or come close with the damage that has been done to the truck.

 

Ben, Sorry to hear about that. Not to make it worse, but you also have to consider the $1,000 a month in depreciation while you don't have the truck. I always knew the depreciation was real, but it gets a lot more real when you monetize it. I paid cash for a loaded 2017. I drove it for 25 months, then traded it in for the same truck in 2019. Walked out of the dealer $26k lighter.

 

I didnt pay cash for mine but i pay $1k a month on mine just so I can get it paid off quicker so i pretty much feel like i was been flushing that money down the drain for the past 7 months. Not to mention the loss of value just naturally but also from the wreck. Who wants a truck that has had a brand new frame put under it from a wreck. Heck i don't even want the truck back. Insurance will hate me, any little small thing i will be calling insurance and blaming it on the wreck.

 

I just saw a post that some actor (I have never heard of) got in a low speed crash is his new Bugatti Veyron, just 15 minutes after buying it. The headline of the article said that it was crazy expensive to fix the bumper and fender, at $32,000, on a $1.89 million dollar car. Good thing it wasn't an aluminum Ford.