Front end collision - advice/cost guess

25 mph impact is relatively mild. Airbags didn't even blow.

Suggest going through all 46+ pages of this well-illustrated forum thread to deepen understanding of collision dynamics on vehicles with well-built front aftermarket bumpers:
https://www.tacomaworld.com/threads/plate-bumpers-after-impact-with-pics.379600/

I did, and I saw a clear trend of significantly-reduced damage in low-to-moderate-speed impacts. (A little off-topic, but related and highly relevant to anyone who lives in deer/moose/horse/cow country: in cases of impacts with wildlife (and cows/horses, in some cases,) a real front bumper tends to greatly reduce or even eliminate damage. For the $6K in damage mentioned in post #30 in our current thread here, it is very likely a good full-hoop front bumper would have reduced that damage to zero, or at most a cracked headlight.)

Collision physics is complicated and highly situation-dependent. There are instances where a solid front bumper can make outcomes worse for occupants of the bumper-equipped vehicle, particularly when ramming fixed objects like trees, concrete walls, etc. (or very heavy vehicles like a tractor-trailer rig) head-on and at high speed. There are other trade-offs such as up-front cost (no pun intended,) and added weight and its associated handling & gas-mileage penalties.

But in lower-speed impacts, often a good-quality front bumper pays for itself 3x to 10x over the first time it is involved in an impact.

 

People recommending that the OP push the insurance company into totaling the truck in these types of threads is just silly in my mind. I know everyone wants a brand new truck, but the fact of the matter is that the insurance company is not going to buy you a new truck if the repair cost is below the cost of a repair.

Read your insurance policy for perfect accuracy, but typically it says that the insurance company is obligated to pay out either the price of the repair or the fair market value of the truck whichever is less. After the payout is decided, you have the choice of receiving a check or letting the insurance do what they think is best for them.

 

I am not a insurance adjuster. I have grown to despise them. In my experience (1 not at fault, 1 deer strike in the last 12 months) they are absolute lying scum. Get everything in writing. Do not trust anything they say. They get paid more to screw you. Pick your own body shop. Do not trust anyone they pick. Again, I want to be clear. Insurance adjusters are lying scum. Gieco and State Farm are two of the worst companies in existence.

If you are a insurance adjuster reading this and you think I don't mean you, I do.

Professional liars working for state sanctioned crooks.

This took 90 days, wrong parts ordered over and over, refusal to move to a honda certified body shop, knowing the core support is welded in, ordering a used core support against Honda recommendations, unusable part, order proper part, welded in looking like bubble gum with a mig, ordered non hid headlamps, did not order crushed drivers for headlamps, attempt to install normal reflector lamps in a touring elite with a different wiring harness, lies and more lies.
Crushed coolant temperature sensor left in engine. Starts fine in florida, but at 14 degrees in Kentucky no start as it thought it was at operation temp.

All in all with paying 60 days of rental after they stop at 30, and diminished value of the van, travel to florida to pick up a half assed job of repaired van, traded against a 4 runner I lost approximately 9000 dollars.

Again I want to mention insurance adjusters are lying scum, and do not trust one word they say.

 

With 27 miles on my truck, somebody backed into me in a parking lot... The first day I got it, it was towed away for a week.

Your front end was hit, and a shop needs to look at it. Make them be thorough, and don't accept some half-assed inspection or quote. Body shops are not always experts with every vehicle they see, and they aren't keen on the nuances.

I'll give you an example... The front passenger side of mine was backed into. They said it was going to cost right around $1k to fix. OK, cool. Got the truck back, and even though it was aligned properly, it pulled ever so slightly with the steering wheel perfectly at the 12 o'clock...

Spindle was bent, something the shop missed during their inspection.

The front of these trucks are very sensitive to side impacts. Honestly, I would just want them to total it at that point. You should have them laser your frame. Check all the door seams, panel gaps, everything. Measure these dimensions. Gapping in panels is a sure indicator that you've twisted the frame up.

 

My older silverado had a lift and a front bumper, I rear ended an old lady SUV at a very slow speed (maybe 10mph she was going through an intersection and slammed on her brakes) and the frame tweaked. Hood wouldn't shut right, alignment off, it was a 6500$ repair yet looked 95% OK. I think that if it was stock it would've taken a lot less damage.

 

Oh and I want to add 250 dollar deductible, rental coverage, roadside, and everything. It was my wifes van, and I take her safety and security seriously as I love her and she is the Mother of my children. Gieco sux.

 

Well so far this is about $7-8k in damage from hitting a deer at 40 mph. No airbags deployed. I'm guessing you're possibly looking at a total loss.

 

I got lucky. Someone backed into mine hard, and I'm waiting on the body shop. He quoted CAPA (I assume since aftermarket) parts for the replacements since that's what insurance will approve. I called concerned about that and he told me they quote that for insurance purposes but get OEM for cheaper due to volume so I will get OEM parts.

Also, I hope your little slice of the world is better than ours. There is such a shortage of labor and parts that it is about a 6 month wait to get the repair.

Additionally, if you happen to have ceramic paint protection or similar make sure you mention this. It can create issues for the shop, and you are due a replacement from insurance.

 

I just got mine back. Original estimate, about $6500 had all OEM part numbers. I cross checked the numbers online.
Bottom of estimate said they may use CAPA parts if OEM isn't available.
Two parts they use aftermarket were the headlights....f**k. ($700 each). I immediately changed out the cheap china bulbs along with putting in H9's for the low beams.
The kicker, and I'm still not sure what I may do about this, is the estimate total jumped up another $5000 from the original. Total to insurance is over $11,500.
My problem with this is some obvious fraud that went on with some parts. The shop claimed they replaced a couple things and I know for a fact they didn't and the fact they ordered some parts that were never put on the truck. (I have a TRD OR and they ordered the spoiler,(chin strap), then called me asking about the aftermarket tow hook I put on because it wouldn't fit. Stock took.) The charger for the spoiler is on the invoice. Along with the labor to put it on.
This is a shop recommend by the insurance company. They are a big car dealership here in Delaware and have there own Toyota dealership next door.
No wonder insurance cost is outrageous.

 

updates?

 

So much bad information in this thread. The total loss threshold varies by state. Where I live, the TL threshold is 75%, meaning if the cost to repair the damage exceeds 75% of the vehicle's value, it has to be declared a total loss. An insurance company could choose to total at less than 75%, but I know from experience working as an insurance adjuster that it takes quite a bit of damage to total out a Tacoma. Ignore all of the chatter here and save your questions for your adjuster.

 

Dont forget about:

• depreciation because of the marred vehicle history and lower resale value
• rental vehicle to cover your commute to work, the term they use is "loss of use" or "lost wages"
• Any damaged belongings
• Always take an ambulance ride for evaluation and never tell them you are fine.
• Get a lawyer

 

Looks like you hit a wreath not a deer.

 

What was the end-result from insurance? Did they repair it?

 

A couple of weeks ago, someone rear ended our Toyota Venza. The other driver had the same insurance company, USAA. We had an accident report, he admitted he was wrong, we submitted the claim, everything was good to go.

The first rep/adjuster. Didn't hear from him. Wouldn't call back, would update the status of the claim online, but it was incomplete information and he would not call us. Body shop was not getting the right information. Over a week went by and we were confused with the whole process and we were on the hook for the deductible.

My wife called back and asked for a different rep. Within an hour, she had everything going in motion. Body shop had an approval, rental car was good to go, and they waived the deductible.
Initial estimate $2050, now it's $3500. Also approved.
She called us back the next day to check on us and gave her direct line in case we have questions.

Moral of the story. If you are not satisfied with the level of service, have your pissed off wife call management and ask for someone who knows what they're doing.

 

The opposite is true. Tacomas have very high salvage value, which leads to more total losses, not fewer.

 

checking for updates.

I think it will be close. could go either way to my untrained eye.