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Rolled truck - question for those who have filed major claims with their Taco

Discussion in '2nd Gen. Tacomas (2005-2015)' started by 1-3-2-4, Dec 7, 2008.

  1. Dec 7, 2008 at 1:53 PM
    #1
    1-3-2-4

    1-3-2-4 [OP] Squirrel Mincer

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    So, I was involved in a (relatively) low speed roll over yesterday on I80 in PA. Long story short, freak snow squall, unsalted roads, erratic drivers. I was doing about 45 mph down a hill when the rear came around due a patch of ice. I was in pretty heavy traffic, so my options were limited. I compensated as best I could, but the speed took me sliding into the grassy median. As I slowed down, now facing opposite the direction I was traveling on the side of a hill, my passenger front tire caught traction in the soft dirt and initiated the roll. 1.75 rolls later, the truck stopped on the driver side. Luckily I didn't cross into oncoming traffic and I was able to climb up and out with the help of a good samaritan holding the door. No injuries, thank God.

    Turns out there were 7 accidents within a three mile stretch of road, one accident with 6 vehicles. No one seriously injured. The truck, however, didn't fare as well. Every body panel except for the hood and tailgate was scarred, some worse than others. Based on my initial review last night, both fenders, doors and bed quarters are trashed. Roof is crushed and the roll significantly damaged both A and B pillars. Windshield busted, but all other glass is fine and doors close nicely. Passenger front tire is trashed and rim might be bent. A really skilled body shop could fix it for the right amount of money. Needless to day, I'd rather not have a beat up truck...unless they replace their entire cab which I HIGHLY doubt.

    So, has anyone experienced damage similar to mine (sorry, no pics now)? How did you make out with your insurance? I'm getting nervous because I don't want my insurance company to screw me and this is the first accident I've been in - so no experience with this sort of stuff.

    It'd really suck to keep paying for a truck that has been so extensively damaged and repaired....:( Oh well, at least I'm here today typing this. Thank God for seat belts (and a soft landing place).
     
  2. Dec 7, 2008 at 1:57 PM
    #2
    moserjjx

    moserjjx Tacoma Newbie

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    it sounds like there is a good chance they might total it instead of fixing it. after several rolls the frame could be twisted and a host of other issues not even visible. i bet they total it.

    if they do, be sure to get out there now and take anything out you've added that isn't wrecked. and if they total it and you can rob the sun visors - i'm looking for a drivers side! :)

    i'd like to see some pics of the truck if you can. we get lots of snow here (wisconsin - in fact snowing right now) so i'm all too familiar with snow related accidents
     
  3. Dec 7, 2008 at 1:59 PM
    #3
    dually

    dually Low and slow

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    Not as many as the 98..
    For your sake, I hope they total it.
     
  4. Dec 7, 2008 at 2:41 PM
    #4
    WilsonTheDog

    WilsonTheDog Kylie's dad

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    Wow. Best of luck with that. Sounds like the truck did it's job and saved you from major damage.
     
  5. Dec 7, 2008 at 2:44 PM
    #5
    MyToyTaco

    MyToyTaco ╒╪╕

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    Did you buy gap insurance?
     
  6. Dec 7, 2008 at 3:14 PM
    #6
    1-3-2-4

    1-3-2-4 [OP] Squirrel Mincer

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    I pulled every part I could from the interior except for my head unit and Sirius tuner. Oh, and the cap is still installed. That will be pulled unless the insurance company gives me what it is worth. I doubt the frame is bad, but you never know.

    I'm trying to get pics, so I'll post them when I do. I've driven in snow my whole life with no issues. In fact, I consider myself very capable in the snow. This is my first pickup though, so not much weight in the rear plus stock Dunflops and well, the situation wasn't made any easier. Unfortunately, traffic is what killed me. I would have been able to maintain a steady speed with no distractions. Or, if the slide did happen, I would have had more room. Oh well, sucks. I hate being the guy wrecking during the early winter. I always scoffed at them.

    Oh, and sorry for contributing to the Taco's already high insurance rates!
     
  7. Dec 7, 2008 at 5:12 PM
    #7
    oldtacomaguy

    oldtacomaguy four forty four

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    Glad your OK man. I'm starting to get a little nervous about these Dunlops thay so nicely gave us. I've only driven it in light snow, and they didn't impress me. Like you, I've driven in snow all my life and consider myself more than competent in bad weather. I'm going to use your post as a heads up to be really careful in the snow this year. I just got the truck and really can't afford to put new tires on yet. Good luck with the insurance co.
     
  8. Dec 7, 2008 at 5:18 PM
    #8
    1-3-2-4

    1-3-2-4 [OP] Squirrel Mincer

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    Thanks. Be safe, as usual. The tires seemed OK for normal usage, but I haven't been impressed thus far in the snow. My wife's Suby with snow tires is night and day better. It doesn't help that the truck has almost zero weight over the rear and no LSD (on mine anyway). Oh well, it was slick as hell and I wasn't the only one with issues. The highway looked like a war zone!
     
  9. Dec 7, 2008 at 5:26 PM
    #9
    Dark Knight

    Dark Knight Well-Known Member

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    It takes very little to rack up a huge repair bill. I want to say If you rolled it, you totaled it. with all the roof damage and other damaged the labor alone will be astronomical. Glad your not hurt, but I know how it hurts the pride a little. Be firm and thorough with your insurance and make sure everything is understood well before any papers are signed. Good luck
     
  10. Dec 7, 2008 at 5:33 PM
    #10
    RelentlessFab

    RelentlessFab Tacoma offroad armor fabricating beast Vendor

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    Had tons on the old Taco's.... new Tundra is pretty stock
    well, after hearing your description, i'd bet they total it. it seems that if a truck is rolled, it is almost instantly given a salvage title where im from. Glad no one was injured, i've noticed that the rear on trucks is definitely easy to swap around once the slide is initiated, luckily in my tacoma i drive carefully in the snow/ice and i ditched the dunflops in the first week i owned the truck. those tires did nothing to impress me.
     
  11. Dec 7, 2008 at 8:11 PM
    #11
    tex

    tex Well-Known Member

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    my brother rolled an f-150 on its side some years ago. The insurance company fixed it and everything was good for about 5 years untill his back window started leaking. He took it to a few different places and it turned out the window was not able to make a seal with the truck because the roof or cab were slightly bent.
    Glad your ok and let us know how it turns out. Get us some pics when you can.
     
  12. Dec 7, 2008 at 8:13 PM
    #12
    106Tacoma

    106Tacoma Well-Known Member

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    i got sand bags for the same exact thing, but i did not roll or hit anything i was very lucky.
     
  13. Dec 7, 2008 at 8:20 PM
    #13
    TacoNut

    TacoNut IgnoringChrisWatchingEdLi veVicariouslyThroughMJP2

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    glad to hear that you're ok.....

    probably a total though
     
  14. Dec 7, 2008 at 8:48 PM
    #14
    w8n4mud

    w8n4mud There's a mod for that!

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    1-3-2-4...anything to get an 09! LOL. In all seriousness, Im glad your okay. Let's assume they fix it. Are you comfortable with that? If not and have any inclination of selling it after the fact, then I would suggest you get legal advice should your insurance company go with a decision to fix it! Common on, you're the one driving it!!! Well, I hope it all works out for you at the end. Its not a smooth road ahead (no punt intended). Did you have side curtain airbags? I'd like to know if they deployed if you did. Thanks bud. Take care.
     
  15. Dec 8, 2008 at 4:03 AM
    #15
    TacticalBacon13

    TacticalBacon13 Sorry for party rockin'

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    i hope your alright i live in pa right by i80. where about did you crash like what exits?
     
  16. Dec 8, 2008 at 6:39 AM
    #16
    1-3-2-4

    1-3-2-4 [OP] Squirrel Mincer

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    Unfortunately I don't have any pictures and the truck is now 150 miles from my house...

    I rolled at mile 301.1, east bound I-80. Traveled that road so many times, so I knew it was a matter of time. As those from the area know, the traffic in that area gets crazy: Poconos + Outlets + Camelback ski season + dinner time rush hour in snow on unsalted roads = damned. Oh well.

    I'm hoping they total. I'd be OK with the fix if the cab wasn't damaged in the A and B pillars and roof. Doors, fenders, and quarters can be easily removed and replaced, but I'm not optimistic for a quality repair of the cab.
     
  17. Dec 8, 2008 at 7:14 AM
    #17
    SilverSeven

    SilverSeven Rock Solid Toy

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    this is a perfect excuse to build that thing up to rediculous levels..

    whats that? ohhh SAS
     
  18. Dec 8, 2008 at 8:25 AM
    #18
    Demoncleaner

    Demoncleaner Well-Known Member

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    Ouch, glad your OK. SOunds like total to me.

    If you end up w/ an 09' suppose the VSC/TRAc (at least in 2wd) could help prevent this situation again.

    While you were in PA, in Ithaca, the lake makes snow almost every other morning. I know its been beaten to death, but I would seriously consider ditching the stock tires for some better 'A' rated, heavily siped all-season (like Mich LTX) or even better, run winter tires in the future. Good luck.
     
  19. Dec 8, 2008 at 9:09 AM
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    1-3-2-4

    1-3-2-4 [OP] Squirrel Mincer

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    I typically avoid electronic safety devices, but who knows, it may have helped. In all honesty, I feel the problem was largely related to the tires and low weight over the rear axle. Traffic didn't help.

    I like to stay with a Tacoma, but we'll see. There are so many good deals on vehicles right now on account of the economy, I will probably shop around.
     
  20. Dec 8, 2008 at 9:32 AM
    #20
    hashemg

    hashemg Well-Known Member

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    First off.....i am very glad that you are OK. Thank goodness gor that

    2: they should total a rollover and if they don't, u can fight for it if ur not comfortable getting it fixed

    3: it depends on how much u owe to know if it will pay off the loan. GAP ins will cover that if u bought it

    4: if they total it, make sure the price they give u is fair. look up 4x4 reg cabs on cars.com, autotrader.com etc. find trucks with very similar miles to urs, print them out. they should give u competative retail price for it. if they don't.....u now have print outs to fax them so they see what similar trucks are going for......they will have no choice but to give u close to that amount

    perfect example. my buddy totalled his dodge ram 2500. the ins Co wanted to give him 8,000 for it. his mom looked up similar trucks with similar miles and found them between $11,000 and $14,000. the ins co gave him 12.

    the more trucks u find the better.

    5: now that thats all said. were u able to pull out the items for cruise control. i would be interested in them if you did
     
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