1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

accident :( ... need recommendations/advice

Discussion in '2nd Gen. Tacomas (2005-2015)' started by AsianAnts, Jan 7, 2012.

  1. Jan 7, 2012 at 11:59 AM
    #1
    AsianAnts

    AsianAnts [OP] just an AnT

    Joined:
    Dec 30, 2010
    Member:
    #48438
    Messages:
    6,405
    Gender:
    Male
    First Name:
    AnT
    Southern California (San Diego County)
    Vehicle:
    2011 PreRunner TRD Sport L/B Grey Metallic
    -Satoshi Grille Upper/Lower/Triangles -LED Map Lights, LED Dome Light, LED License Plate Lights -No front license -Wet Okole -Weather Techs (digi) -Running Boards -Bed Extender -AFE Cold Air Intake 2SI Dry Filter -Tailgate Hose-Clamp Mod, Tailgate washer Mod -Combi chain lock on bed extender -no chime w/ key in ignition & open door -Fog Light anytime -Slim Cubby's 3kHID fog -bumper plugs -keyhole plug -TRD license plate frame -combi-lock storage -rear TSB -window tint -camera mod -Painted radiator/engine covers -LS460 RetroFit -Bed Tie-Downs -LED Gauge Cluster, radio, clock and AC -Bed Mat -Extra DRings -Painted center console, radio unit, ac panel, overhead console.
    so i got into an accident yesterday. I kissed the back of a GMC sierra 1500... right on his tow hitch area. no damage to his truck.. but mine has a busted lip!

    pic only shows surface damage. there are some internal damage (metal bent, broken tabs, etc) finance/budget is not on my side... I have full coverage and i believe a $500 deductible.

    What should i do??! please keep in mind that $$$ is not on my side, so no crazy aftermarker bumper armour etc...not only that, my truck is a not a 4x4 ;).... but thats beside the case.. anyways, requesting any advice/tips/recommendations. thank you

    -AnT

    [​IMG]
    [​IMG]
    [​IMG]

    2012-01-06 16.01.42.jpg
    2012-01-06 16.02.03.jpg
    2012-01-06 16.03.36.jpg
     
  2. Jan 7, 2012 at 12:16 PM
    #2
    zul

    zul Professional Goofball

    Joined:
    Jun 11, 2011
    Member:
    #58083
    Messages:
    910
    Gender:
    Male
    Oregon Territory
    Vehicle:
    '12 Pyrite Mica DCSB SR5 4WD V6 AT
    STOCK: DRL, Tow Package, All Weather Mats HAVE: Bed mat, Tailgate Lock, WANT: Rear Plate Bumper, Color-matched Grille, Heated Wet Okoles, Weathertech Floor Liners, Avid Step Rails
    Best bet would be to take it to a few shops, get an estimate for the damage, and have insurance pay for it sans deductible. Downside is you will be out $500 and have an at-fault accident on your record. Upside is you will have a new-looking truck.

    Other option is to just drive it like that. Looks like its fairly minor damage - cosmetic only. It drives fine right? Downside is your truck will continue to have a busted lip, upside is it wont cost you anything. If you fix it later on down the line when you get some money, it shouldnt affect your re-sale value.
     
  3. Jan 7, 2012 at 12:20 PM
    #3
    dweezy

    dweezy Well-Known Member

    Joined:
    Nov 20, 2011
    Member:
    #67369
    Messages:
    179
    Gender:
    Male
    First Name:
    David
    Norfolk
    Vehicle:
    2001 SR5 4x4
    Gibson Exhaust, LineX'ed bed, Blacked out chrome, sony xplod head unit, 12" kicker in ported box powered by kicker 250w amp.
    i would order a new one from toyota... has to be less than $500 and you wont have an insurance claim.. then put it on yourself
     
  4. Jan 7, 2012 at 12:23 PM
    #4
    Special_K

    Special_K o_o

    Joined:
    Jul 7, 2010
    Member:
    #39920
    Messages:
    3,507
    Gender:
    Male
    First Name:
    Eddie
    Alameda, CA
    Vehicle:
    2014 Subaru STI hatchback
    Tuned by Snail Performance, 305WHP/350TQ on E85, Corsa Pro Series black tip CBE, Perrin CAI, Perrin ELH, Invidia catless DP, ID1000 injectors, Turbosmart Dual Port BOV, Turbosmart IWG Actuator, Cobb FPR, Perrin motor and tranny mounts, Moroso dual catch cans, Cobb AP V3, Grimmspeed turbo heatshield, Grimmspeed EBCS, Perrin pitchstop mount, Kartboy bushings, battery tiedown, oil cap, Perrin reverse lockout leaver, Hella Supertones horns, GT-Spec flat bottom steering wheel, Rally Armor mudflaps, Pioneer 4600BT HU, JL Audio door speakers, sub, and amp, Weathertech floormats, Grimmspeed LWCP, Perrin front license plate delete and relocator, Perrin alternator and radiator shrouds, Grimmspeed master cylinder brace, TWM Gunmetal M1 Abrams shift knob, Defi boost and oil pressure gauges, SMY Clustermaker dual gaugepod, JDM black side badges, Greddy magnetic oil drain plug
  5. Jan 7, 2012 at 12:25 PM
    #5
    GA_TACO4x4

    GA_TACO4x4 Well-Known Member

    Joined:
    Dec 3, 2008
    Member:
    #11259
    Messages:
    1,138
    Gender:
    Male
    here 'n there
    Vehicle:
    07 DCSB 4x4
    marathon superhide max-4 seat covers, weathertechs, maglite mod, 20% tint, 2" leveling kit, leaf spring tsb.
  6. Jan 7, 2012 at 12:25 PM
    #6
    jjw1

    jjw1 Well-Known Member

    Joined:
    May 1, 2010
    Member:
    #36355
    Messages:
    9,609
    Gender:
    Male
    First Name:
    Jesse
    Citrus County Florida
    Vehicle:
    2011 Super White DCSB TRD OR PreRunner
    Weather Tech Floor Liners, Truxedo Bed Cover, OEM Silver Step Bars, Debadged, Colormatched Satoshi, Wet Okoles, OEM Roof Rack, Bed Mat, Locking Gas Cap, and removed Mud Flaps
    pm colinb17, he has the metal bar that goes behind the bumper. He also has a SWB bumper you could get painted.
     
  7. Jan 7, 2012 at 12:29 PM
    #7
    acdronin

    acdronin Well-Known Member

    Joined:
    Dec 2, 2010
    Member:
    #47036
    Messages:
    19,664
    Gender:
    Male
    .
    I'd bet you could find someone here that has their old bumper laying around for a lot less than the $500 deductible, besides, I wouldn't want the accident on my insurance.
     
  8. Jan 7, 2012 at 1:13 PM
    #8
    ROGU3 PR3DATOR

    ROGU3 PR3DATOR Space Shuttle Door Gunner

    Joined:
    Aug 9, 2010
    Member:
    #41451
    Messages:
    1,046
    Gender:
    Male
    First Name:
    Jake
    Clearfield Utah
    Vehicle:
    MGM 2011 TRD Off-Road
    Click my Sig Pic for my build thread. Too many to list here.
  9. Jan 7, 2012 at 1:32 PM
    #9
    The1youluv2hate

    The1youluv2hate Well-Known Member

    Joined:
    Sep 14, 2010
    Member:
    #43233
    Messages:
    2,715
    Gender:
    Male
    First Name:
    Peps
    SP... CaL
    Vehicle:
    11 TRD sPort
    5100's@1.75 Horns (Andres) Satoshi TRD cat back BHLM
    I seen a few On Craigslist

    Remove the bumper cover see what's broken
     
  10. Jan 7, 2012 at 2:16 PM
    #10
    AsianAnts

    AsianAnts [OP] just an AnT

    Joined:
    Dec 30, 2010
    Member:
    #48438
    Messages:
    6,405
    Gender:
    Male
    First Name:
    AnT
    Southern California (San Diego County)
    Vehicle:
    2011 PreRunner TRD Sport L/B Grey Metallic
    -Satoshi Grille Upper/Lower/Triangles -LED Map Lights, LED Dome Light, LED License Plate Lights -No front license -Wet Okole -Weather Techs (digi) -Running Boards -Bed Extender -AFE Cold Air Intake 2SI Dry Filter -Tailgate Hose-Clamp Mod, Tailgate washer Mod -Combi chain lock on bed extender -no chime w/ key in ignition & open door -Fog Light anytime -Slim Cubby's 3kHID fog -bumper plugs -keyhole plug -TRD license plate frame -combi-lock storage -rear TSB -window tint -camera mod -Painted radiator/engine covers -LS460 RetroFit -Bed Tie-Downs -LED Gauge Cluster, radio, clock and AC -Bed Mat -Extra DRings -Painted center console, radio unit, ac panel, overhead console.
    soo if i do the deductible that means its on my insurance.. what if i just called them ?? or what if the other part called them?
     
  11. Jan 7, 2012 at 2:48 PM
    #11
    sparkhill

    sparkhill Well-Known Member

    Joined:
    Sep 3, 2011
    Member:
    #62852
    Messages:
    112
    Gender:
    Male
    It only goes on your insurance history if you make a claim. The other downside of making a claim is that the insurance company will probably report the damage to Carfax and Autocheck. Keep some photos in case they report front collision and a future buyer wonders about the severity of the accident. Your accident is minor and bumper resprays do not diminish resale values. If you get lucky and find the right take-off bumper, you might not even need to repaint it.
     
  12. Jan 7, 2012 at 5:00 PM
    #12
    AsianAnts

    AsianAnts [OP] just an AnT

    Joined:
    Dec 30, 2010
    Member:
    #48438
    Messages:
    6,405
    Gender:
    Male
    First Name:
    AnT
    Southern California (San Diego County)
    Vehicle:
    2011 PreRunner TRD Sport L/B Grey Metallic
    -Satoshi Grille Upper/Lower/Triangles -LED Map Lights, LED Dome Light, LED License Plate Lights -No front license -Wet Okole -Weather Techs (digi) -Running Boards -Bed Extender -AFE Cold Air Intake 2SI Dry Filter -Tailgate Hose-Clamp Mod, Tailgate washer Mod -Combi chain lock on bed extender -no chime w/ key in ignition & open door -Fog Light anytime -Slim Cubby's 3kHID fog -bumper plugs -keyhole plug -TRD license plate frame -combi-lock storage -rear TSB -window tint -camera mod -Painted radiator/engine covers -LS460 RetroFit -Bed Tie-Downs -LED Gauge Cluster, radio, clock and AC -Bed Mat -Extra DRings -Painted center console, radio unit, ac panel, overhead console.
    make a claim... meaning pay the deductible and what not? kuz what i did was i just simply called them and told them i was in an accident.. and gave them the other party's insurance info and what not.. thats it..
     
  13. Jan 7, 2012 at 5:16 PM
    #13
    acdronin

    acdronin Well-Known Member

    Joined:
    Dec 2, 2010
    Member:
    #47036
    Messages:
    19,664
    Gender:
    Male
    .
    Honestly, if their is no damage to the other truck and the other party doesn't want to make a claim you can decline to make a claim, call the adjuster and ask them whether or not the other party wants to make a claim, if not, you can not make one yourself and just replace your bumper.
     
  14. Jan 7, 2012 at 5:23 PM
    #14
    AsianAnts

    AsianAnts [OP] just an AnT

    Joined:
    Dec 30, 2010
    Member:
    #48438
    Messages:
    6,405
    Gender:
    Male
    First Name:
    AnT
    Southern California (San Diego County)
    Vehicle:
    2011 PreRunner TRD Sport L/B Grey Metallic
    -Satoshi Grille Upper/Lower/Triangles -LED Map Lights, LED Dome Light, LED License Plate Lights -No front license -Wet Okole -Weather Techs (digi) -Running Boards -Bed Extender -AFE Cold Air Intake 2SI Dry Filter -Tailgate Hose-Clamp Mod, Tailgate washer Mod -Combi chain lock on bed extender -no chime w/ key in ignition & open door -Fog Light anytime -Slim Cubby's 3kHID fog -bumper plugs -keyhole plug -TRD license plate frame -combi-lock storage -rear TSB -window tint -camera mod -Painted radiator/engine covers -LS460 RetroFit -Bed Tie-Downs -LED Gauge Cluster, radio, clock and AC -Bed Mat -Extra DRings -Painted center console, radio unit, ac panel, overhead console.
    well you see, i dont know if he wants to make a claim or not.. i tried to talk him out of swapping insurance info and what not because it was not necessary. there was absolutely no damage to his truck... but who knows, maybe he might get shady and try to bust a quick one on me.. i took pics just in case...

    as of right now i guess i need to wait till Monday when work resumes.

     
  15. Jan 7, 2012 at 5:26 PM
    #15
    Steves104x4

    Steves104x4 Well-Known Member

    Joined:
    Apr 17, 2010
    Member:
    #35468
    Messages:
    7,407
    Gender:
    Male
    First Name:
    Steve
    Buffalo NY
    Vehicle:
    2010 RC 2.7 4x4
    BUCKLE UP! It makes it harder for Aliens to pull you out of your Truck.
    Sound like a great time for a nice STEEL bumper.
     
  16. Jan 7, 2012 at 5:26 PM
    #16
    kimo

    kimo Well-Known Member

    Joined:
    Sep 23, 2011
    Member:
    #64007
    Messages:
    400
    Gender:
    Male
    First Name:
    Darin
    MONTEREY BAY
    Vehicle:
    07 TRD sport pre-runner
    I think when you called and gave info etc.....you did open a claim? hope im wrong, cause this is so minor and an easy thing to fix yourself. IMO
     
  17. Jan 7, 2012 at 5:28 PM
    #17
    acdronin

    acdronin Well-Known Member

    Joined:
    Dec 2, 2010
    Member:
    #47036
    Messages:
    19,664
    Gender:
    Male
    .
    No damage to his rig at all? I would call the adjuster and tell them that, tell them you don't want to file a claim if you don't need to, hell you can hang another bumper on there for less than your deductible. Most times adjusters are willing to be somewhat flexible. If they say the other party wants to file a claim then tell the adjuster you're calling BS and offer to send them the pics you took.
     
  18. Jan 7, 2012 at 5:29 PM
    #18
    AsianAnts

    AsianAnts [OP] just an AnT

    Joined:
    Dec 30, 2010
    Member:
    #48438
    Messages:
    6,405
    Gender:
    Male
    First Name:
    AnT
    Southern California (San Diego County)
    Vehicle:
    2011 PreRunner TRD Sport L/B Grey Metallic
    -Satoshi Grille Upper/Lower/Triangles -LED Map Lights, LED Dome Light, LED License Plate Lights -No front license -Wet Okole -Weather Techs (digi) -Running Boards -Bed Extender -AFE Cold Air Intake 2SI Dry Filter -Tailgate Hose-Clamp Mod, Tailgate washer Mod -Combi chain lock on bed extender -no chime w/ key in ignition & open door -Fog Light anytime -Slim Cubby's 3kHID fog -bumper plugs -keyhole plug -TRD license plate frame -combi-lock storage -rear TSB -window tint -camera mod -Painted radiator/engine covers -LS460 RetroFit -Bed Tie-Downs -LED Gauge Cluster, radio, clock and AC -Bed Mat -Extra DRings -Painted center console, radio unit, ac panel, overhead console.
    shoot.. i didnt think about that.....if that is the case, i wonder if i can call and cancel everything i said and just wait to see what the other party does..

    i think i shouldve done that - wait to see what action the other party takes instead of calling my insurance and telling them i was in an accident

     
  19. Jan 7, 2012 at 5:31 PM
    #19
    AsianAnts

    AsianAnts [OP] just an AnT

    Joined:
    Dec 30, 2010
    Member:
    #48438
    Messages:
    6,405
    Gender:
    Male
    First Name:
    AnT
    Southern California (San Diego County)
    Vehicle:
    2011 PreRunner TRD Sport L/B Grey Metallic
    -Satoshi Grille Upper/Lower/Triangles -LED Map Lights, LED Dome Light, LED License Plate Lights -No front license -Wet Okole -Weather Techs (digi) -Running Boards -Bed Extender -AFE Cold Air Intake 2SI Dry Filter -Tailgate Hose-Clamp Mod, Tailgate washer Mod -Combi chain lock on bed extender -no chime w/ key in ignition & open door -Fog Light anytime -Slim Cubby's 3kHID fog -bumper plugs -keyhole plug -TRD license plate frame -combi-lock storage -rear TSB -window tint -camera mod -Painted radiator/engine covers -LS460 RetroFit -Bed Tie-Downs -LED Gauge Cluster, radio, clock and AC -Bed Mat -Extra DRings -Painted center console, radio unit, ac panel, overhead console.
    yea, none at all..... at most just paint chip on the tow hitch.

     
  20. Jan 7, 2012 at 5:32 PM
    #20
    acdronin

    acdronin Well-Known Member

    Joined:
    Dec 2, 2010
    Member:
    #47036
    Messages:
    19,664
    Gender:
    Male
    .
    No no, you did the right thing, don't worry about it, work with your adjuster and see what happens. I've been around insurance all my life, just tell the adjuster want you want to do and see what they come up with.
     
To Top