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Insurance, or Pay Out-Of-Pocket? (pics)

Discussion in '2nd Gen. Tacomas (2005-2015)' started by jcman01, Jul 30, 2013.

  1. Jul 30, 2013 at 4:34 PM
    #1
    jcman01

    jcman01 [OP] Well-Known Member

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    I was on a 4wd trail in Colorado, and moved to the right to avoid a large rock in the road. The shoulder gave way, and the truck slid down and landed against some bamboo-type stuff.

    A fine gent from Austin Texas in a Honda Ridgeline pulled me out with some heavy climbing-type rope that I happened to have purchased.

    The door and rocker panel underneath is dented. The tailpipe is bent forward, and pushing the mudflap into the tire (I pried it away).

    Should I get my insurance company (Allstate) to pay, or should I pay out-of-pocket?

    I don't think Allstate will be too happy since I was off-road.

    20130730_160440.jpg
    20130730_140653.jpg
    20130730_160432.jpg
     
    Last edited: Jul 30, 2013
  2. Jul 30, 2013 at 4:35 PM
    #2
    Monster Coma

    Monster Coma Well-Known Member

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    Pittsburgh, PA/Houston, TX
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    Your insurance pays for offroading damage?
     
  3. Jul 30, 2013 at 4:38 PM
    #3
    Oowen

    Oowen Well-Known Member

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    ^^^ Insurance won't pay for damage like that.
     
  4. Jul 30, 2013 at 4:40 PM
    #4
    KodiakToyTRD

    KodiakToyTRD Well-Known Member

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    Paging James....
     
  5. Jul 30, 2013 at 4:42 PM
    #5
    Jeffvt0508

    Jeffvt0508 Well-Known Member

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    buff out as much as you can first..( pin stripping) the door you can say you hit a lawn mower.. that's what I did and damage looked same way..
     
  6. Jul 30, 2013 at 4:43 PM
    #6
    Monster Coma

    Monster Coma Well-Known Member

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    So you committed insurance fraud?
     
  7. Jul 30, 2013 at 4:44 PM
    #7
    KodiakToyTRD

    KodiakToyTRD Well-Known Member

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    Giving the guy advice to commit insurance fraud on a public forum and admitting that you did it too?

    Goddamn you're a smart one.
     
  8. Jul 30, 2013 at 4:45 PM
    #8
    Oowen

    Oowen Well-Known Member

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    :rolleyes:
     
  9. Jul 30, 2013 at 4:47 PM
    #9
    Jeffvt0508

    Jeffvt0508 Well-Known Member

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    no I really did hit a lawn mower and looked like that..i was jump starting it and guy didn't have it in park and lunged forward into my truck lol.. but I paid out of pocket.. didn't tell him to do it.. just said.. mine looked like that..
     
  10. Jul 30, 2013 at 4:48 PM
    #10
    AK Taco

    AK Taco Well-Known Member

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    :facepalm:
     
  11. Jul 30, 2013 at 4:48 PM
    #11
    KenLyns

    KenLyns 8.75" Third Member

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    Is this a 4WD trail or a rural unpaved numbered road? :)

    "I moved to the right to avoid a large rock in the road. The unpaved shoulder gave way, and the truck slid down the ditch and landed against some bamboo-type stuff."

    Go to a few collision shops, tell them insurance isn't paying for it, and get estimates. Then decide if it's worth jacking up your premiums over the repair.
     
  12. Jul 30, 2013 at 4:48 PM
    #12
    jcman01

    jcman01 [OP] Well-Known Member

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    I am one of the 97% of people who have never read their policy. But I doubt it. Your question sort of answers my question
     
  13. Jul 30, 2013 at 4:51 PM
    #13
    KodiakToyTRD

    KodiakToyTRD Well-Known Member

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    This really makes it sound like you told the insurance company that you hit a lawnmower.

    Here, you say the lawnmower hit you.

    :confused:
     
  14. Jul 30, 2013 at 4:52 PM
    #14
    05Aztacoma

    05Aztacoma Well-Known Member

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    1. Pay out of pocket

    2. Buy sliders
     
  15. Jul 30, 2013 at 4:53 PM
    #15
    Jeffvt0508

    Jeffvt0508 Well-Known Member

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    well it was my lawn mower.. and my truck.. so I claim i hit it.. since both are mine.. my insurance agent is my cousin.. I told him what I did and if it was worth putting it under insurance or not and he said not worth it.. my est was $580 deductible was $500.. no point in it.. ( I have full coverage)
     
  16. Jul 30, 2013 at 4:58 PM
    #16
    jcman01

    jcman01 [OP] Well-Known Member

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    It is a BLM or Forest Service road to a trailhead. Not county maintained, but marked as 4WD
     
  17. Jul 30, 2013 at 4:58 PM
    #17
    jcman01

    jcman01 [OP] Well-Known Member

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    Never heard of sliders. What are they?
     
  18. Jul 30, 2013 at 5:00 PM
    #18
    jcman01

    jcman01 [OP] Well-Known Member

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    I am not a good liar. I'd fold like a cheap-suit.
     
  19. Jul 30, 2013 at 5:01 PM
    #19
    EODTRD

    EODTRD Brick horder

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    Does the door still open and close (seal) fine?
     
  20. Jul 30, 2013 at 5:06 PM
    #20
    4OYOTER

    4OYOTER Well-Known Member

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    I vote leave it be.. It gives character to the truck.. I like it! I've never bothered repairing any of my offroading body damage.. I figure if everything is functional (doors still open/close, etc) than why bothering fixing it.. After all, it's a truck.. I personally didnt buy mine with the intention of making it look pretty. And sorry you had to get pulled out by a ridgeline. Hope he didn't take any pics.
     

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