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Old 05-18-2006, 09:14 AM   #1
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Default wreck?

so i have a question for those of you who have had you rigs in a wreck and built something with the money.......how and what did you tell the insurance company to pay for your tube bed or what ever you did?


http://www.tacomaterritory.com/forum...473#post418473
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Old 05-18-2006, 09:17 AM   #2
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if there is no lein on your truck, get an estimate for the damage, tell your insurance company, and they will write you a check...you can spend the check on whatever you want...
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Old 05-18-2006, 09:18 AM   #3
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Quote:
Originally Posted by pimptoy
so i have a question for those of you who have had you rigs in a wreck and built something with the money.......how and what did you tell the insurance company to pay for your tube bed or what ever you did?


http://www.tacomaterritory.com/forum...473#post418473
do you have reciepts for all of your mods?
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Old 05-18-2006, 09:22 AM   #4
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Quote:
Originally Posted by amishclark
if there is no lein on your truck, get an estimate for the damage, tell your insurance company, and they will write you a check...you can spend the check on whatever you want...

I got one from the Toyota collision center for over 6,000 but how do I make them (their insurance company) to pay that amount. They are sending out an adjuster in about 40 min.
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Old 05-18-2006, 09:23 AM   #5
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Quote:
Originally Posted by law116
do you have reciepts for all of your mods?

yeah for the soild axle work but everything in the rear in custom built in my garage
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Old 05-18-2006, 09:29 AM   #6
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Quote:
Originally Posted by pimptoy
yeah for the soild axle work but everything in the rear in custom built in my garage
get a few offroad shops to quote you on how much they would charge for the fab work... that might be good enough for em
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Old 05-18-2006, 09:30 AM   #7
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Quote:
Originally Posted by pimptoy
yeah for the soild axle work but everything in the rear in custom built in my garage
it is probably reasonable to assign a value to this work based on the time and materials you spent. the adjuster is coming to minimize the payout, which means he will be looking for things that are on the estimate that do not actually need fixing. if the estimate you have is from a reputable body shop that has worked with your particular insurance company before (which i'm sure is the case if it's the stealership...), you're most likely good. if there is a question regarding your work as opposed to a "professional's," i wouldn't worry. the estimate you got is for a "professional" to restore your truck to what it was before the accident, regardless of how it got to being what it was. don't forget that they will reduce the payout by the amount of your deductible. as long as you don't owe someone (i.e. a bank, toyota financing, etc.), you can spend the money however you want...is the frame tweaked? i've never known about bed damage and repairs like that, but $6k seems high...i'm sure that's the main reason why they are sending an adjuster.
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Old 05-18-2006, 09:32 AM   #8
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but i'm not going to show him the quote that i got until i see his (if its lower).
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Old 05-18-2006, 09:35 AM   #9
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Quote:
Originally Posted by amishclark
it is probably reasonable to assign a value to this work based on the time and materials you spent. the adjuster is coming to minimize the payout, which means he will be looking for things that are on the estimate that do not actually need fixing. if the estimate you have is from a reputable body shop that has worked with your particular insurance company before (which i'm sure is the case if it's the stealership...), you're most likely good. if there is a question regarding your work as opposed to a "professional's," i wouldn't worry. the estimate you got is for a "professional" to restore your truck to what it was before the accident, regardless of how it got to being what it was. don't forget that they will reduce the payout by the amount of your . as long as you don't owe someone (i.e. a bank, toyota financing, etc.), you can spend the money however you want...is the frame tweaked? i've never known about bed damage and repairs like that, but $6k seems high...i'm sure that's the main reason why they are sending an adjuster.

And it the other guys insurance company that is paying for it...... and i have a $0 collision deductible if they want to know
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Old 05-18-2006, 09:43 AM   #10
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the whole point of the adjuster coming out is so that the insurance company doesn't get presented with a fraudulent or inflated claim. they are in the business of paying out as little as possible. however, they would probably rather pay out the 6k than have to deal with a law suit. if you are unhappy with the results, contact a lawyer...sometimes all it takes is letterhead and they send a check right away.

Quote:
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And it the other guys insurance company that is paying for it...... and i have a $0 collision deductible if they want to know
wow...must be nice. i got in a wreck, and my estimate was $1200, but my deductible is $1000. i told the insurance company to forget it...
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Old 05-18-2006, 09:55 AM   #11
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thanks man for your help
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Old 05-18-2006, 10:02 AM   #12
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Quote:
Originally Posted by amishclark
i've never known about bed damage and repairs like that, but $6k seems high...i'm sure that's the main reason why they are sending an adjuster.

if they were to repair it they wouild have to put a whole new bed tub, bed side panel, tailgate, ect.

toyota wants 3,500 for just the bed tub


plus the bed hit the cab and dented the piss out of that so...... it adds up. lol i haven't been in a wreck that has cost less than 5,000 with my truck
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Old 05-18-2006, 10:08 AM   #13
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i guess if you're going to do anythig, you should do it right

sounds like a perfect excuse to ditch the bed...i'm amazed at the cost for the bed...
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Old 05-18-2006, 10:09 AM   #14
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yeah FYI don't buy a bed new at a stealership
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Old 05-18-2006, 10:15 AM   #15
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sorry i was wrong- from the estimate

Complete bed assembly (with out paint)- 3603.06

trailer hitch- 195

rear spring 48.81

rear shock- 35.31

rhino lining- 550

alingment- 69.95

tool box- 255


+ labor and the rest of the shit involved
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Old 05-18-2006, 10:19 AM   #16
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somewhere, i can hear pimptoy's bank account getting fatter...yeehaw!!!

i doubt you will have any problem with the adjuster.
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Old 05-18-2006, 10:22 AM   #17
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Quote:
Originally Posted by amishclark
somewhere, i can hear pimptoy's bank account getting fatter...yeehaw!!!

i doubt you will have any problem with the adjuster.

and the sound of metal being cut and welded


i might bend out the panel and use it as a skin on my tube bed
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Old 05-18-2006, 01:11 PM   #18
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Quote:
Originally Posted by amishclark
somewhere, i can hear pimptoy's bank account getting fatter...yeehaw!!!

i doubt you will have any problem with the adjuster.

6,000plus to build a new bed/ NEW RIG
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Old 05-18-2006, 01:53 PM   #19
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how did it go?
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Old 05-18-2006, 05:12 PM   #20
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they're going to pay me a little over 6,000 for the damage and have spend the last 2.5 hour straightening the body and over all it can out fairly straight
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Old 05-18-2006, 06:37 PM   #21
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here is how far i got with use of my highlift, semi-ratching stap, and BF hammer. plus about 2 hours of my time.....


from this:




to this

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