Taco down

[THREAD HIJACK WARNING]

I guess I just don't understand why tires somehow magically matter when all this other stuff is dismissed for mechanical assessment. Although tire condition is a zero effort/brainpower metric; determining the mechanical state of things you can't just look at would not I guess.

So, let's lay out a hypothetical while I have your attention. I have $6000+ OEM parts on my shelf ready to go on (no BS - I really do). If it's a wear item and/or mission critical, it's getting replaced with dealer parts with a papertrail. The OP's scenario happens - will they care at all about any of that since it's not a full professional engine overhaul? I realize the terrifying part of this is you're completely at the mercy of luck and the people you wind up having to work with, but, if anyone's insight here carries any weight, it's probably yours..

 

You hit the nail on the head. Tire condition matters because there's an obvious difference between otherwise identical vehicles when one has new tires and the other has bald tires. Most mechanical stuff either works or it doesn't. Tires are viewed differently than most other items by dealers and consumers alike.

To answer your second question, very likely not. Maybe a little bit, depending upon what those parts are. If you just did $5,000 in maintenance and had all of the receipts, it might add a few bucks. But if you're talking about things like a new glass run channels for the doors, or a new brake pedal pad, it won't matter one bit. If you're talking a new tail gate to replace a beat up one, it would prevent the condition from being downgraded, but it wouldn't necessarily add any value beyond the overall assessment of the condition of the body panels overall.

 

Wow, Terrible accident! Glad y’all okay.

 

What the?!?!

Please tell me you also are wanting her charged criminally as well for the leaving the scene.

 

Yeah, I went in to this with my eyes open, assuming it would do nothing relative to an insurance claim. But then this guy starts talking about State Farm caring about the tire tread (my ins-co as well), and I start getting my hopes up...

Anywho. Good luck with your replacement hunt OP, they're still out there...

 

Holy smokes!! Glad you’re healthy enough to tell us about it. So sorry for you…

 

So- what insurance company will you be moving to after this is all over? Probably doesn’t matter, they’re all crooks.

 

Not sure yet, after my adjuster wouldn’t budge on condition I figured it would be a little bit of a hassle…then he yanked the rental with no notice (I live an hour from the rental car company so it was extremely inconvenient). At that point I decided to hire my appraiser and invoke the appraisal clause. He responded to my email via phone call at 1651 on Friday asking to talk it out before he goes through with it. I emailed him again stating that I would rather keep our conversations via email and in one chain rather than switching communication methods. I’ll hopefully hear back again Monday

 

Insurance is still fighting me every step, impact was hard enough it bent all the bolts holding down the camper shell

 

Absolutely disgusting. On another note, any news on the other driver? I hope you file charges.

 

Never even got to see her. I figure I need to fight one insurance adjuster at a time.

 

That sucks to hear about the loss or your Taco and the hassles that you are going through. Great job on getting the truck to your property so that the pirates at an impound yard couldn't start picking away at the carcass then claim that everything "missing" was missing when the truck got towed in.

 

I'd contact the local PD and advise you want filed. But agreed re the battles.

And yikes those are bent.

THIS. Friend of mine twice had his vehicle towed and both times it got plundered. The police even told him not to pursue it which is odd as it all happened in his town. If I'm a police officer and a towing company we use is doing that, I'd want to know about it and put a stop to it.

 

Sounds to me like the po-leece are in on that side hustle. A little off-the-books civil forfeiture (which I’d abolish if I were god-emperor).

 

So I invoked my appraisal clause and my appraiser advised me they settled for almost 15,350. Still haven’t heard from the adjuster in a while.

funny enough the price I originally wanted was lower than that, but insurance has to waste their money and then cry about how broke they are

 

Good for you. That guy is really good.

He should have your claim on his FB page soon.

As far as insurers all being crooks, I 100% agree that it's not a consumer-friendly industry and there are people who get screwed. That shouldn't happen. I can also tell you that the # of people who try to rip off the insurance company (and indirectly, the rest of us since we pay the cost of that in our premiums) is sky-high. Rarely did I have a day at work when someone didn't lie to me about what happened, try to claim things that weren't related, you name it. Happened constantly. And it was all walks of life...white collar, blue collar, white/black/brown/yellow, man/woman, you name it. I even had a few cops who lied along the way. Those were always fun conversations. Told one of them that I'd rat him out to his chief if he decided to pursue his claim as a hit-skip when it was clear as day that he'd hit a guardrail.

 

I just want fairness and communication. The appraiser I hired told me about what they agreed on…still crickets from insurance.

What would be a reasonable timeline for the insurance to inform me of the settlement? Also I asked about property that was damaged in the collision back on the 25th and still haven’t gotten an answer. How long should I wait without response before escalation

 

I can't recall, this is your insurance or the other driver's insurance?

2nd question first, if it's your insurance, your auto policy likely will not cover any property that was damaged. Just the truck. Home insurance would cover the property but would be subject to the deductible on your home policy, and would require filing a claim under your home policy. My $.02, I would not do this unless you're talking thousands of dollars of stuff.

1st question 2nd, they should get back to you in a few days. If you do not hear from then on 10/11, I would call on Monday and politely demand an update, and do not get off the phone until you get one. Escalate if you have to. But be polite, even though you have every reason to be frustrated. You can yell and scream and if you are right, you'll eventually get what you're owed. But if you're polite, "eventually" will be a lot shorter.

 

I filed for the truck under my insurance and for the injury and loss of revenue on the other drivers insurance (my boss wouldn’t allow me to come in at a net loss of 24 hours of work)

I had about 1.5k in equipment the needed to be serviced or replaced, I may talk to the other persons insurance about it. My adjuster at first started discussing it, then ghosted me.

I don’t get angry, I try not to be unreasonable. I just get frustrated with getting ghosted and lied to. I’ve actually already replaced the truck because I self insure in a sense so I’m not exactly hurting for the settlement money. The police report has that the other person ran the light and that I rear ended them. It’s wrong as far as lane placement and stuff though so I did take pictures of the intersection as well as video (the lady not only made a right on red but did so into the third of fourth lane of traffic, while the report shows it occurring to the right hand lane)

 

The other insurance company owes you for the property. The only thing that could hinder that is if the other driver does not carry sufficient liability coverage to pay for your loss of revenue (that's not usually paid as part of an injury claim, though lost wages are usually paid as part of an injury claim. Revenue is usually paid under the property claim) and your property, as well as paying your insurance company back for the damages to the vehicle. If this happens, your insurer has 2 choices:

1) agree to let the other insurance company make you whole and your insurer accepts whatever remains
2) tell the other insurance company to pay you your pro-rata share of their property damage limit, and pay your insurer their pro-rata share

State Farm will almost always agree to make their customer whole and accept whatever remains.

If the other driver has sufficient liability limits, then you get paid for your property/revenue, your insurance company gets paid for the truck.