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Bumper swiped - any chance i'm meeting my 1000 dollar deductible?

Discussion in '3rd Gen. Tacomas (2016+)' started by Smk8609, Jul 6, 2020.

  1. Jul 6, 2020 at 11:06 AM
    #1
    Smk8609

    Smk8609 [OP] Well-Known Member

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    Welp found this when I walked out of my door this morning - any slim chance i'm meeting my deductible or should i go ahead and order an aluminum bumper like I had planned? Grill has a nice gash across it as well.

    IMG_20200706_135157.jpg
     
    Gunshot-6A likes this.
  2. Jul 6, 2020 at 11:15 AM
    #2
    dfulks

    dfulks Well-Known Member

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    That is likely more than $1000 or more in damage. I got my bumper cover and grill support and it was like $3500 in damages.
     
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  3. Jul 6, 2020 at 11:16 AM
    #3
    mds08

    mds08 Senior member

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    That's easy $1200 job, parts, material and labor plus a rental car. Might be over $1500.
     
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  4. Jul 6, 2020 at 11:20 AM
    #4
    Anchovy

    Anchovy Rule #1: Never take me seriously

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    Basically gonna replace the whole lower bumper, yeah probably $1k
     
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  5. Jul 6, 2020 at 11:21 AM
    #5
    Sungod

    Sungod Well-Known Member

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    I seriously doubt you are near $1000. You are over 2 years old so the estimate won't be for new parts. Aftermarket parts drive the price way down. Even if you were at $1200-1500 you would be foolish to file a claim that will next you $200-500.
     
  6. Jul 6, 2020 at 11:22 AM
    #6
    Grossomotto

    Grossomotto Complete 3rd Member

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    39.9526° N, 75.1652° W
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    Thats a new aftermarket front bumper.

     
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  7. Jul 6, 2020 at 11:24 AM
    #7
    Smk8609

    Smk8609 [OP] Well-Known Member

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    Yeah the concern is the piece that goes all the way up to the headlights is cracked - so i feel like that cant be cheap. Since it wasn't my fault insurance claims that if i do decide to claim it, it doesn't impact my insurance record at all. Not sure - have an appointment with a body shop this week. Wonder if insurance would find it weird if my "body shop" was my local 4x4 shop haha
     
    DarthPow likes this.
  8. Jul 6, 2020 at 11:25 AM
    #8
    GLOOMY

    GLOOMY Well-Known Member

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    Only way to surely find out is talk to your insurance or reputable shop.
     
  9. Jul 6, 2020 at 11:26 AM
    #9
    Gunshot-6A

    Gunshot-6A Not A Fed

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    This. Also keep in mind that an insurance claim would show up on carfax. If you replace it with a steel bumper, you're out maybe a couple hundred bucks over the deductible and you'll make it up on the backside if you ever sell it.
     
  10. Jul 6, 2020 at 11:28 AM
    #10
    Thunder Fist

    Thunder Fist Well-Known Member

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    Like, so many.
    I'd just use this as an opportunity to get an aftermarket bumper.
     
  11. Jul 6, 2020 at 11:29 AM
    #11
    Newlife

    Newlife Well-Known Member

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    Bone f’n stock for now
    Just order a new bumper. Unless your insurance company is willing to put in writing that there will be no impact to your policy I wouldn’t chance it.
     
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  12. Jul 6, 2020 at 11:36 AM
    #12
    Oreo Cat

    Oreo Cat Certified Alcoholic

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    Just get a slimline in there
     
  13. Jul 6, 2020 at 11:38 AM
    #13
    Amanelot

    Amanelot Member

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    This.
    Wish I knew this before I filed some claims. I lost $4k off the value of my truck because I thought I was being smart, fixing it myself, and pockets the couple hundred remainder.
    Somethings you just gotta learn the hard way
     
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  14. Jul 6, 2020 at 11:38 AM
    #14
    07RedTacoDawg

    07RedTacoDawg Well-Known Member

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    Still can't believe that people have the balls to do this . U hafta be out of your mind to sneak around and do this.
     
    Chew likes this.
  15. Jul 6, 2020 at 11:39 AM
    #15
    OMGitsme

    OMGitsme Well-Known Member

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    You'd have to get the DV8 or Body Armor that's readily available.
     
  16. Jul 6, 2020 at 11:48 AM
    #16
    Smk8609

    Smk8609 [OP] Well-Known Member

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    Thanks for the input everyone - i'll see what the body shop has to say (any structural damage etc) - all seems to depend on the dollar value they come back with.

    If your car value is impacted due to the collision - doesn't insurance generally compensate you for that?
     
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  17. Jul 6, 2020 at 11:52 AM
    #17
    Amanelot

    Amanelot Member

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    I think it depends on where you live
     
  18. Jul 6, 2020 at 12:00 PM
    #18
    windsor

    windsor Just a guy

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    Get a dash cam with parking monitor and hardwire it in. Front and back cameras....
     
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  19. Jul 6, 2020 at 12:00 PM
    #19
    Pilsner

    Pilsner Well-Known Member

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    255/85r16 ST Maxx 6112/5160 w/ Dakar RCI armor, sliders, and rear bumper CBI hidden winch mount w/ Smity 20k

    My vote too.
     
  20. Jul 6, 2020 at 12:02 PM
    #20
    waltuo

    waltuo Well-Known Member

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    Take the money
     

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