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2013 Tacoma TRD Sport Rear Ended

Discussion in '2nd Gen. Tacomas (2005-2015)' started by IowaToyotas, Dec 31, 2014.

  1. Jan 5, 2015 at 8:32 AM
    #41
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    Just shot an email out this morning to my Geico adjuster and the shop manager working on my truck. Pretty much said that I'm not willing to accept frame repair because I tow frequently and load my bed heavily. I'm not confident that the frame due to its condition will ever be able to perform at its fractory specs/
     
  2. Jan 5, 2015 at 5:03 PM
    #42
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    Talked to Toyota today and my frame didn't buckle at all it was slightly bend. He said this is the almost the least amount of frame damage he has seen in awhile. He said he guarantees my frame repairs and all other repairs for the entire life of the vehicle. I'm good with it, also other then the frame damage there really wasn't much else, bumper, tail gate, hitch, and light...... Could have been alot worse.

    I'm unsure if I'm going to be chasing diminished value. I'm going to keep the truck for a long time so I don't know yet.
     
  3. Jan 5, 2015 at 7:42 PM
    #43
    zeekevin

    zeekevin Well-Known Member

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    Still chase it. You're going to lose out one way or another
     
  4. Jan 7, 2015 at 8:34 PM
    #44
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    Just got an update and I'm not sure what to make of it. Mr. Fransico at Toyota said that my frame wasn't bent or buckled at all and it looked pretty good but it had a Height condition what ever that means. But they up'd it by 1700 so its at $8300 was the finally estimate.
     
  5. Jan 7, 2015 at 8:39 PM
    #45
    zeekevin

    zeekevin Well-Known Member

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    Better claim the diminished value.
     
  6. Jan 7, 2015 at 9:17 PM
    #46
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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    Jerry
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    Since damage is at $8300.00, it'll definitely show up on Carfax. I'd go for DV, but bear in mind, it won't be the actual amount of loss. They will take what your vehicle is worth with add ons to set a retail value. Then they will set a percentage cap on the max. So say your retail is $30k and they set a cap of say 10%. That sets the max you can claim at $3000. From that, they can apply other factors for mileage reducing the cap further. I don't know what percentage they will use but 10% is pretty standard.

    Best thing you can do is to get the retail value up as high as you can. Get all your receipts ready for the appraiser.
     
  7. Jan 7, 2015 at 9:24 PM
    #47
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    That sounds pretty legit where did you hear that?
     
  8. Jan 7, 2015 at 9:26 PM
    #48
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    I don't understand though if the guy said the frame wasn't bent or buckled but still needed frame work what does that mean?
     
  9. Jan 7, 2015 at 9:40 PM
    #49
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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    I've been an insurance agent for 29 years so I've seen the scenario play out many times. DV is actually a fairly recent concept brought about by personal injury lawyers. Back in the day an insurance company only paid direct loss, the actual physical damage to the vehicle. Lawyers argued that there was also economic loss, ie, diminished value. State Farm and a few other companies developed a formula called 17c to determine DV. Google it. It's not a fair settlement formula at all.
     
  10. Jan 7, 2015 at 9:46 PM
    #50
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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    It will still be put on a frame rack to check straightness and be massaged. That's what that $1700.00 they quoted is.
     
  11. Jan 7, 2015 at 9:49 PM
    #51
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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    Beavis, I don't think he can get his damages up high enough to get it totaled. I guess he can hope that when it gets on the rack, they can total the frame, but judging from here, that's a long shot.
     
  12. Jan 7, 2015 at 9:53 PM
    #52
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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  13. Jan 8, 2015 at 11:40 AM
    #53
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    I saw your frame and it wasn't bent it was buckled and a buckled frame should never be repaired. Mine frame is maybe 1/10 of that damage its barely anything no buckling at all.

    My framed diamonded.
     
  14. Jan 8, 2015 at 11:51 AM
    #54
    PB65stang

    PB65stang Well-Known Member

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    5100s (2.5" front), OEM Raptor wheels, 315/70/17 BFGs, Undercover, tint, Weathertechs.
    I just went through this about 7 months ago. DancesWithWolves is correct on the 17C formula - luckily, the company I was working with (MetLife) didn't work that way and I actually had a very productive conversation with the DV adjuster, and we reached a fair settlement in about 5 minutes. They offered, I countered with a reasonable counter (ie not asking for $10k or something ridiculous) and said for that price we can end it today, and they accepted.

    Your frame and Beavis' are not the same, as you point out. He was hit way harder, and he was correct in getting his frame replaced (which resulted in the total). I was hit harder than you, and my frame was verified straight as an arrow by 2 independent shops. They did replace my hitch, bumper, and other bolt on pieces in the rear. I think you've got very similar damages, and if it's done right, the truck is just as safe to drive and tow as it was before. I just towed a 3500 lb trailer about 1500 miles with my now repaired truck, and it worked just as fine as ever.

    Good luck with everything.
     
  15. Jan 8, 2015 at 12:00 PM
    #55
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires









    I really appreciate your post and I've read all of yourreplies on other peoples threads and also your own story. I think you make a very valid point in thefact that metal work can be questionable at times and the very thing that makesa truck a truck is its frame and I get that.





    But I do not agree that if you have minor frame damagethat the entire frame should be replaced. I've talked to many shops in the California area even shops all the wayup in Washington and it's insulting to most shop to say that they can't repaira frame that has minor damage to it.

    If the frame hasn't buckled an any way and has minorbending its fine it can be cold pulled and put back to .0000000specification. Toyota got my framedcompletely .000 no bends, waves, height conditions, or diamonding. They guarantee it for life and I've talked totwo other shops that come very highly recommended that they do the samething. They promise the truck will tow, haul,and perform the same way it did from the factory. All my Toyota warranties are good my 12mobumper to bumper limited comprehensive warranty is still in play. My 60,000 mile 5yr powertrain warranty isalso still good. Since my truck didn't receivesalvage or rebuild title the dealer even said they could still buy it back andpre own certify it.

    The only thing that hurts the value of my truck is stupidweb sites like carfax where is shows that the vehicle received damages of$8,300. I'm more then confident my truckwill look and drive the way it did before it got it because I took it to Toyotaand they do great work. A person whosee's that a vehicle has damage has every right to look at the paper work giveto the seller from the body shop showing the damages. If the seller cannot provide the buyer withthat information to inform the buyer how it was fixed then don't buy the car.

    I keep hearing people say that once its hit it will neverbe the same. I call Bull shit I don'tagree, I've had bad body shops and I've had good ones it just depends but forsomeone to say it will never drive the same sounds naïve and isn't opening theirhorizons up for shops that truly do amazing work.

    Again I appreciate all the posts people have left me andit's helped me decide what path I want to take.
     
  16. Jan 8, 2015 at 12:02 PM
    #56
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    Thanks for your post I hope my situation is very similar to yours!
     
  17. Jan 8, 2015 at 12:11 PM
    #57
    zeekevin

    zeekevin Well-Known Member

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    I called a few dv places and read some reviews there are a lot of bad ones. Very few good ones
     
  18. Jan 8, 2015 at 2:25 PM
    #58
    IowaToyotas

    IowaToyotas [OP] Well-Known Member

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    Super Charger, 2 In lift, TRD pro 17in Rims, 285 Toyo all country tires
    Oh shit I didn't even realize your in the San Diego area. Did you contact AAG?
     
  19. Jan 8, 2015 at 2:37 PM
    #59
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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    Thanks for chiming in PB. Yours was the recent case I wanted to cite, just couldn't find it. Btw, how's the truck working these days?
     
  20. Jan 8, 2015 at 2:44 PM
    #60
    DanceswithWolves

    DanceswithWolves palabra a tu madre

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    Also another thought.....get info from appraiser get usaa involved if geico refuses to play ball with dv#s. Maybe usaa is more agreeable. Present claim under usaa, pay deductible, let usaa subbrogate against geico, in the end you get deductible back. Fwiw, I would rather deal $ with usaa than geico. Geico will be 3rd party and lowball. Usaa will be 2nd party and is a very good company when it comes to claims settlement. Pick your poisons.
     

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