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2017 Taco got hit what to do??

Discussion in '3rd Gen. Tacomas (2016+)' started by Zacdos, Nov 14, 2017.

  1. Nov 14, 2017 at 8:53 AM
    #1
    Zacdos

    Zacdos [OP] Member

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    Monroe, WA
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    I bought my first Tacoma on August 24 2017 a new TRD sport 4x4 manual trans 6 cyl. I drove to work about month ago and it was hit by a tree and sustained quite a bit of damage. The body shop came and got it a week ago and said they thought it may be totaled which is exactly what I was hoping for. However, when the insurance adjuster called me he said it was not a total loss as the damage was about 14k and will take about 6 weeks to fix. I was disappointed cause I know this truck will not be worth near as much if I try to trade it in for another or sell it privately. I called the body shop and asked if there could be more damage to raise the cost up like frame damage and they said no frame damage but maybe pillar damage so I asked them if they would do the tear down and he said he would have the shop owner call me.

    The next day he called and said he is disappointed my truck wasn’t totaled and he said they would probably find more damage but not enough to total it. He said Progressive said salvage value for my truck is 4K which I know not to be true. The shop owner offered to sell truck for me which he thought he could get 12-14k for it and I could take the insurance money and get another truck but I would be short about 10k but it may not be a bad option.

    I can file diminished value against Progressive as Washington state is one of the few states that allows filing against your own carrier. Has anyone ever claimed diminished value? I am totally perplexed over this not sure which way to go..I don’t really want my truck back it sucks.
     
  2. Nov 14, 2017 at 8:57 AM
    #2
    InsuredToyota

    InsuredToyota Well-Known Member

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    Nothing yet. Waiting for me at the lot
    Are they going to have to pay for your rental car for 6 weeks? Have them take that into account. Keep racking it up!
     
    Zacdos [OP] likes this.
  3. Nov 14, 2017 at 9:05 AM
    #3
    Skruf

    Skruf Well-Known Member

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    Yeah 14k will not even come close to what it would take to total out a brand new 35ish k vehicle. Just went through the same with mine and had two body shops do an estimate both came out to 14k for me too. Allstate was not even willing to talk about a total.
     
    Zacdos [OP] likes this.
  4. Nov 14, 2017 at 9:13 AM
    #4
    hiPSI

    hiPSI Laminar Flow

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    Trade it as is. I have done this once before. The cost of repair + the actual value of the truck as it sits will equal the value of the truck after repair. Let's say an identical truck to yours undamaged is now worth $32K. You have $14K in damage. That means the truck, as it sits, is worth $18K. Talk to a dealer, tell them what's up and see if they will trade like it is. Good luck.
     
    motodude95, FHC, Tacotime24 and 3 others like this.
  5. Nov 14, 2017 at 10:31 AM
    #5
    Zacdos

    Zacdos [OP] Member

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    I'm going to the dealer today and see what they will offer. Hopefully it will work out as this will be the best route for me.
     
    hiPSI and shakerhood like this.
  6. Nov 14, 2017 at 10:34 AM
    #6
    Zacdos

    Zacdos [OP] Member

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    They said 30 days only. They will probably take it away if they find out I'm not fixing it.
     
  7. Nov 14, 2017 at 10:35 AM
    #7
    ElBlancoTaco

    ElBlancoTaco Well-Known Member

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    Get it repaired, sell it, then you have established your diminished value. File the claim for DV, then buy a new vehicle.
     
  8. Nov 14, 2017 at 10:59 AM
    #8
    shakerhood

    shakerhood Well-Known Member

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    When my 2000 Tacoma was wrecked it spent 48 days on the Frame Machine and Body Shop, rental coverage was only 30 days and I was on the hook the rest of the time.
     
  9. Nov 14, 2017 at 11:02 AM
    #9
    MikeyMcFly

    MikeyMcFly Well-Known Member

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    Sounds about right.

    Both times I had vehicles totaled I came right up against the 30 day window. Both times I could only get the rental coverage through 30 days, even though they didn't make the decision to total out the vehicle until nearly Day 26-27 which gave me almost no time to find a replacement vehicle. Luckily it was the summer and I had the weekend toy to drive in the time being.
     
    shakerhood likes this.
  10. Nov 14, 2017 at 11:16 AM
    #10
    SuperTrooper864

    SuperTrooper864 Well-Known Member

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    My insurance company totaled my truck out with 19k in damages. The reason for that was becuase it was gonna take more the 3 months to fix it.
     
    Zacdos [OP] likes this.
  11. Nov 14, 2017 at 2:38 PM
    #11
    JoeyDel

    JoeyDel Well-Known Member

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    Make sure they are using Toyota branded OEM parts if it does get repaired.
     
  12. Nov 14, 2017 at 4:15 PM
    #12
    RocTaco

    RocTaco From Parts Unknown

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    Rochester NY
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    Did you crash into a tree or did one fall on your truck?
     
    bacon_st likes this.
  13. Nov 14, 2017 at 4:27 PM
    #13
    Clearwater Bill

    Clearwater Bill Retire from work, but not from life.

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    It's why we buy insurance. To fix stuff that's broken. The key is having the right shop doing the repairs.

    If it's a high end shop you'll never know it was damaged. If it's not a high end shop, with lifetime warranty on their work, find one.

    As @ElBlancoTaco says, you can then trade or sell and have grounds for diminished value (or not, depending on what the buyer allows/pays)

    If you keep the truck 150-200k there will be no diminished value. It will just be another old high mileage truck that is fully depreciated.

    Our throw away society whines to much. Go look at the cars in Havana, then come back and talk 'I don't want it back'. :rolleyes:
     
    JS760 and hx989 like this.
  14. Nov 14, 2017 at 5:54 PM
    #14
    Zacdos

    Zacdos [OP] Member

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    It fell on my truck.
     
  15. Nov 14, 2017 at 6:09 PM
    #15
    RocTaco

    RocTaco From Parts Unknown

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    Ahh such a bummer! While that really stinks, the repairs shouldn’t affect the drivability of your truck. If I were you I’d get it fixed and go for a diminished value check.
     
  16. Nov 14, 2017 at 6:29 PM
    #16
    markmizzou

    markmizzou Well-Known Member

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    A back step for when I get older, N-fab step bars , Carhartt seatcovers, 4Runner wheels, Topper, and "tats all folks"! --for now!!
    no pics? I cut a lot of firewood -- would love to see what a tree does to a Taco!
     
  17. Nov 14, 2017 at 6:54 PM
    #17
    bacon_st

    bacon_st Well-Known Member

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    Fell on your truck while you were driving? Wow, that's some bad luck. Or did it fall on your truck while you had your truck parked some place?
     
  18. Nov 14, 2017 at 7:03 PM
    #18
    Zacdos

    Zacdos [OP] Member

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    Here it is..

    20171017_071038.jpg
    20171017_071042.jpg
     
  19. Nov 14, 2017 at 7:07 PM
    #19
    SOSHeloPilot

    SOSHeloPilot Well-Known Member

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    .
    ...^^^... Good luck ...Progressive Ins. can be difficult to deal with.
    .
     
    JS760 likes this.
  20. Nov 14, 2017 at 7:07 PM
    #20
    tacoflavoredkisses1

    tacoflavoredkisses1 Well-Known Member

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    You'd have to have proof of the value beforehand.
     
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