I wasn't in the vehicle when it happened, but it was hit pretty hard. I had to put it in 4low and lock the rear just to get detached from the other vehicle. Not sure whats gonna happen. The cross bar behind the bumper is bent inwards a bit. The rear tub has been bent and the spare tire carrier has been bent because the other vehicle hit my spare tire as well.
Be sure to have your rearend inspected! I had a car biffed from behind and it ended up tearing up the gears since it was pushed forward 2 feet from the impact. Didn't notice any issues right away and ended up having problems not long after getting the car back from the body shop. Insurance didn't want to pay for the repair either.
Im paying close attention to how its driving right now, so far nothing seems wrong, I did ask the adjuster to possibly inspect the rear axle and tranny. First quote I got was $2k for the damages. I'm thinking I might take a cash settlement like you said, fix up the body and then use the remainder for a rear bumper/swing out tire carrier.
Just got another estimate at $6k, I was told by someone that I should pursue a diminished value claim after I take care of the damage portion of the claim. Do any of you have any experience with this? This is the first time I am going to deal an insurance adjuster on a vehicle.
My buddy got a check for diminished value claim. It is usually with newer cars. My buddy had a brand new Avalon. Someone hit the rear passenger side door. The damage was fixed like regular. The money for diminished value was calculated by taking the selling value of his car before it was wrecked and subtracting the selling value of his car after it was repaired from the wreck. The difference, in theory and in his case he got about 3Gs, is the loss you have suffered because the value of your vehicle diminished because of the wreck as compared to the same car that hasn't been wrecked.
Drunk drivers should get two in the head. No bull&$it ambulance chaser lawyer. No cockamamie trial. No prison time. Just two in the head. Sorry. My 3 year old was put in the hospital thanks to a dumbass inattentive driver. I'm biased on this topic.
Agreed! No I didn't get his info because I wasn't at the scene until an hour later and by then the idiot had been arrested. Police report shows he doesn't have insurance at all so now I'm going through my insurance and it sounds like they will pursue him in court after all is said and done. Hopefully I get my deductible back. First estimate for damages was $6k. Rear tub was damaged, spare tire carrier, rear cross member, and the right below the door hinges the tub rippled a little from the impact.
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Okay, so I received two estimates, the first one was very thorough and the body shop explained to me how they would fix the rear end damage and they quoted me at around 6K for the repair. The second shop was the shop my insurance agent told me to take it to and it wasn't very thorough, I don't think the guy knew much or something, but he quoted it 2.5k in damage. On the quote I pointed out that he had missed the rear tire carrier and possibly the tailgate as being damaged. He said that until they get it in the shop they can't really tell whats damaged or not. Just looking at my tire carrier you can tell its damaged. Anyway not sure what to do here, I would like a cash settlement, but not for the low quote. This is my first time working with insurance on something like this.
Can you get another estimate? What you want is another high estimate, either higher then the 6,000 or close to it and then try for the lower high number...it would be hard for the insurance company to give that low estimate equal weight if you have two others showing something completely different. Sounds like the low guy wants the job only to jack up the price as he starts in on it.
One more question, because I owe money on this vehicle still, will I still be able to do a cash settlement? I read somewhere that a cash settlement would be tough to do because your lien holder has to sign off on the check.
I have never had to get a lien holder to sign off. I suggest you take your time on the settlement. Dont be in a rush. If you let them they will use time to try and force you into what they want to happen including the amount they pay. I know in my experance you should be able to stand your ground to have repairs done at the shop of your choice. At that point you request the check. Then your on your own to get it fixed or do the work yourself. I agree with JustinCHorst get more estimates, make the guy writting the estimate believe that you will use his shop for the repairs. You can lead him to write it how you want. Just keep pointing out what you want fixed and he will keep writting.
Definitely go get more estimates, the insurance company will will require a certain number of estimates usually 2 or 3. The more you get the better off you will be then just take the 2 o r 3 highest estimates to your insurance company and they will issue you a check somewhere around an average of the estimates. You are entitled to take it where ever you want and also entitled to some diminished value depending on the vehicles value.