Any body and fender folks on here with expertise on insurance claims?

Forums Off Topic Any body and fender folks on here with expertise on insurance claims?

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    Bigragu
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    Member

    Hey, all, just two days ago I lost traction on my rear right tire on my babied 2002 Ford powerstroke, and it was enough to spin me around and slide 50’ into a tree. I either hit a spot of black ice or a thick patch of wet leaves, going around a curve. Being a crew cab, the door directly behind the drivers side door took the tree head on, bounced off and lay the truck on its side. I was laying on the drivers side window, staring up into the sky thru the passenger side window. Fire crew pulled me out thru my windshield that they smashed up. Bless their hearts, man. Those firemen don’t get paid enough, I swear.

     

    Anyway, the damages. From what was described to me, the frame was untouched, the bed is intact, the engine compartment, hood, and 1/4 panels all untouched. What was damaged was that rear door behind the drivers side door, completely crushed inward into the rear seat. A lot of the inside plastic trim is damaged around that area. For sure a new cab will be needed, along with the door and misc. 

    I haven’t called my insurance company as of yet. I was going to wait till this Monday to do so, and I need to be armed with some basic advice. Does this seem to be something they would just total out? At what point does an insurance company decide to total a car out, based on my description? The truck still runs, as I was asked to turn the engine off when it was laying on its side.

    I know the easy answer is “I got insurance, that’s what it’s for, go and get another truck” but I really don’t want to get into anything other than the time proven 7.3 engine. These newer trucks today with all the mandated EPA BS have trucks out there with worse mileage than the pre 2007 models.

    open to suggestions. I am prepared to yank off all the aftermarket goods I put in and transfer it onto another 7.3 if I can locate one that was as clean as my truck, with the low miles I had(136K). I’m truly hoping with the body damage explained that it can be repaired.

     

    Thanks in advance

    • This topic was modified 5 months ago by Bigragu.
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    bf1956
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    Hey they will send out the appraiser, if you agree they cut you a check and you take it to Body Shop of your choice and work it outwith them. Hope it all goes well.

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    Bigragu
    Participant
    Member

    Thanks, BF. I’m trying to get a body and fender guy out to give me his input, “off the record” before I call my insurance company. I know how these insurance companies wanna low ball you to the point you end up buying a POS with the small amount they give you(if they declare it totaled), or I end up buying new and have a car payment which I’m trying to avoid.

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