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

Truck hit while parked, what would you do?

Discussion in '2nd Gen. Tacomas (2005-2015)' started by 709GADE, Jun 13, 2013.

?

What would you do?

Poll closed Jul 13, 2013.
  1. Let the insurance companies deal with it.

    216 vote(s)
    94.7%
  2. Let them pay out of pocket.

    12 vote(s)
    5.3%
  1. Jun 13, 2013 at 7:36 AM
    #21
    Greytacoma1

    Greytacoma1 Senior Member

    Joined:
    Feb 28, 2012
    Member:
    #73797
    Messages:
    439
    Gender:
    Male
    First Name:
    dave
    Sacramento ca
    Vehicle:
    Tacoma dc lb
    Satoshi grill, Plasti derp, Ready lift kit, Wheelers 2 inch aal, Hella 700, Wheather tech floor mats, Blueinstinct armrest cover, sockmonkey bed decal, BHLM, debadge, 35% tint front windows, OEM roof rack, OEM step bar, TRD skid plate, tacomaworld.com decal, stock antenna trimed, gorilla extended lug nuts,diff breather mod, cab mount chop, AVS window visor, spidertrax 1.25 wheel spacers, toytec sway bar relocate, extra d ring mod
    Person sounds iffy. And that's what insurance is for.
     
  2. Jun 13, 2013 at 7:41 AM
    #22
    AWorthyOpponent

    AWorthyOpponent Member Caught Off Road

    Joined:
    Aug 22, 2011
    Member:
    #62164
    Messages:
    2,808
    Gender:
    Male
    First Name:
    Dan
    Palm Beach County, Florida
    Vehicle:
    2013 MGM DCLB TRD SPORT 4x4
    TRD Catback Exhaust
    You pay insurance for a reason...your rates won't go up and his insurance should end up paying your deductible. Take it to the best place you can to get it fixed and make sure it's done right. If hell take off once, he'll do it again when he thinks he can get away with it.
     
  3. Jun 13, 2013 at 8:15 AM
    #23
    Chipskip

    Chipskip N7MCS

    Joined:
    Aug 31, 2010
    Member:
    #42519
    Messages:
    6,566
    Gender:
    Male
    First Name:
    Chip
    Phoenix, AZ
    Vehicle:
    98 Tacoma Limited
    Deck Plate, '17 rims, 2" spacers, Tundra Brake Upgrade, 3" Coilover/shackle lift, 01-04 Center Console, Ultragauge, LED interior lights, HO alternator...
    IMO- You can't trust the person. They left the scene and then have flip-flopped on how to handle the issue. If they had been up front and honest about the whole thing, stayed around or left a note with contact info and then where like, "I got this"; than working with them might be worth the risk.

    Go through the insurance.
     
  4. Jun 13, 2013 at 8:19 AM
    #24
    Specalt

    Specalt Well-Known Member

    Joined:
    May 6, 2011
    Member:
    #56173
    Messages:
    852
    Gender:
    Male
    Phoenix
    Vehicle:
    2011 SR5 4x4

    With this Make sure you ask there insurance for Diminished value. Tell them exactly this.

    This will be reported to carfax, as a result I will not get fair value for my vehicle WHEN I trade it in after it is fixed from this incident. (I am not sure I want to keep this car because of the accident). I would like you to cover the diminished value of my vehicle. Work with your insurance co to figure out what that value actually is.

    Source I work for an Insurance co.
     
  5. Jun 13, 2013 at 8:28 AM
    #25
    Greytacoma1

    Greytacoma1 Senior Member

    Joined:
    Feb 28, 2012
    Member:
    #73797
    Messages:
    439
    Gender:
    Male
    First Name:
    dave
    Sacramento ca
    Vehicle:
    Tacoma dc lb
    Satoshi grill, Plasti derp, Ready lift kit, Wheelers 2 inch aal, Hella 700, Wheather tech floor mats, Blueinstinct armrest cover, sockmonkey bed decal, BHLM, debadge, 35% tint front windows, OEM roof rack, OEM step bar, TRD skid plate, tacomaworld.com decal, stock antenna trimed, gorilla extended lug nuts,diff breather mod, cab mount chop, AVS window visor, spidertrax 1.25 wheel spacers, toytec sway bar relocate, extra d ring mod
    Man...good info! I'll keep that in mind.
     
  6. Jun 13, 2013 at 9:05 AM
    #26
    aubi1414

    aubi1414 War Eagle!!

    Joined:
    Nov 15, 2011
    Member:
    #67072
    Messages:
    2,074
    Gender:
    Male
    First Name:
    Justin
    Pensacola, FL
    Vehicle:
    2014 Tacoma TRD Sport Blue Ribbon Metallic
    LED Dome, LED Map, LED License Plate Bulbs, , Konig SixShooters Matte Black, Toyo Open Country ATII's 285 70 17, Satoshi, Bilstein 5100s (set to 0), 885s, LR UCA's, Icon RR 2.0 +2, All Pro Standard 3" Leaf Pack, All Pro Flip Kit, Sway Bar Relocate, Exhaust Chop, Antenna X 14", Debadged, Tint, Matt123 Black TRD Skid, Black Weathertech Mats
    Insurance!! I got a free plate bumper out of my deal :)
     
  7. Jun 13, 2013 at 9:11 AM
    #27
    ZMan2k2

    ZMan2k2 Well-Known Member

    Joined:
    Aug 28, 2011
    Member:
    #62491
    Messages:
    739
    Gender:
    Male
    First Name:
    Richard
    Calgary, Canada
    Vehicle:
    06 DC LB SR5
    I'm not sure of the type of collision, but if the truck is an auto, and it was pushed forward or back at all, the pin that locks the flywheel when in park could have been sheared off. This happened to my parents car a while ago. Their car was parked out front of the house, and a drunk hit the car, pushing it forward. We never thought of it, settled with insurance, and 6 months later, the transmission died. Turns out the pin sheared off, and as it spun around and rattled around in the bell housing, it got shavings in the torque converter, and seized it.

    Definitely get insurance involved, and have the tranny looked at, just for that reason. I would worry about it.
     
  8. Jun 13, 2013 at 9:30 AM
    #28
    tacoman85

    tacoman85 Active Member

    Joined:
    Jan 7, 2011
    Member:
    #48861
    Messages:
    42
    Gender:
    Male
    First Name:
    Erik
    Ogden, UT
    Vehicle:
    Black DC Off/Road
    [​IMG]

    ImageUploadedByTapatalk1371140997.346415.jpg
     
    Last edited: Jun 13, 2013
  9. Jun 13, 2013 at 9:32 AM
    #29
    tacoman85

    tacoman85 Active Member

    Joined:
    Jan 7, 2011
    Member:
    #48861
    Messages:
    42
    Gender:
    Male
    First Name:
    Erik
    Ogden, UT
    Vehicle:
    Black DC Off/Road
    The same thing just happened to me on Sunday ImageUploadedByTapatalk1371141159.483552.jpg
     
  10. Jun 13, 2013 at 9:51 AM
    #30
    Zarny

    Zarny Well-Known Member

    Joined:
    May 29, 2013
    Member:
    #105191
    Messages:
    51
    Gender:
    Male
    First Name:
    Prem
    Mississauga, Ontario
    Vehicle:
    13 MGM DCLB TRD Sport +leather
    I know in Canada any fender bender on parking lot is 50/50 liability as far as insurance is concerned. That might mean higher insurance rates for both parties involved. Insurance might not tell you that, but they give some other bullish..t excuse for increase. Depending how high your deductible is you might foot the bill.

    In example, I drove into the back of another truck damaging his fender for $1200. My ranger didn't even have scratch paint on tow hooks. The guy didn't want cash upfront, went insurance route and his deductible was $1000, so insurance covered only $200. I had no damage, no repair bill to pay, but my rates went up by $35 a month. Insurance explained themselves with increase in rates for all customers, just so happened at the same time. Go figure.
     
  11. Jun 13, 2013 at 9:55 AM
    #31
    2012tacolover

    2012tacolover Well-Known Member

    Joined:
    Dec 23, 2012
    Member:
    #93607
    Messages:
    1,919
    Gender:
    Male
    First Name:
    Norm
    CA/AL
    Vehicle:
    White PreRunner TRD Sport DCSB
    Tinted Windows, Black Nerf Bars, LED Dome & Map Lights, Snugtop Xtra-Vision, WeatherTech Digitalfit front and rear, trimmed Front Mud Flaps, BFG A/T KO's, Matt123 White Skid, Devil Horn Emblem Wet Okole front and rear seat covers! Future Stuff: Lift and new Wheels! :)
    As much as it sucks to have a Carfax on your truck, the fact this person fled the scene, I would go with using Insurance and make sure his/her company knows they committed a hit and run! Make his premiums rise! Who knows how many others he has done this to and not returned to the scene? I hope you get all this resolved quickly!
     
  12. Jun 13, 2013 at 10:14 AM
    #32
    Cypherian

    Cypherian Well-Known Member

    Joined:
    Jun 3, 2011
    Member:
    #57670
    Messages:
    1,414
    Gender:
    Male
    Mid Atlantic Region
    Vehicle:
    2011 Dbl Cab TRD Sport
    Though if he lives in a state that allows it he can get the depreciation out of the insurance company too. IE make Diminished value insurance claim.

    http://www.learnvest.com/knowledge-center/how-to-make-a-diminished-value-car-insurance-claim/

    cypherian
     
  13. Jun 13, 2013 at 10:20 AM
    #33
    dexterdog

    dexterdog My pee parts itch

    Joined:
    Jul 12, 2009
    Member:
    #19571
    Messages:
    3,657
    Gender:
    Male
    Oly WA
    Vehicle:
    '07 FJ

    Your little fender bender looks like it might be an easy fix with a dentless repair place and a buffer.
     
  14. Jun 13, 2013 at 11:24 AM
    #34
    pickuptruckguy

    pickuptruckguy Well-Known Member

    Joined:
    Feb 24, 2011
    Member:
    #51809
    Messages:
    161
    Gender:
    Male
    First Name:
    Bill
    Tehachapi
    Vehicle:
    04 Doublecab 4x4
    Guy seems flakey, use your insurance. Your rate may go up, it may not, either way, your involved now and the only control you have is to make sure your truck gets fixed. You take about 15 more images of that same spot. When the time comes for you to sell your truck and the accident comes up on carfax, you show them those 15 photos and don't sell your truck for a dime less than what its worth. These trucks don't last long, someone will buy it.
     
  15. Jun 13, 2013 at 12:24 PM
    #35
    TeamSarcasm

    TeamSarcasm Mr. President

    Joined:
    Feb 20, 2011
    Member:
    #51510
    Messages:
    10,115
    Gender:
    Male
    Why would op's rate go up if it was not his fault?

    I would go through insurance, the person already flaked once. And pictures speak better than a carfax in some cases.
     
  16. Jun 13, 2013 at 12:33 PM
    #36
    RearViewMirror

    RearViewMirror Saw things so much clearer once you... were in my

    Joined:
    Apr 13, 2013
    Member:
    #102010
    Messages:
    14,328
    Gender:
    Male
    First Name:
    Craig Christ
    State of Love and Trust
    Vehicle:
    2013 DCSB 4X4 TRD Off Road
    Too much shit to list.... See "My Build" page
    Doesn't really have to do with the OP's situation (It would have if the driver had not come back) but this is why I carry Uninsured Motorist on my policy. Had a guy hit the guy behind me and pushed him into my car a few years ago. The guy that started the accident (of course) didn't have insurance. My insurance adjuster came out, looked at the damage, and cut me a check right then and there. I told him where I wanted it fixed and he called them up for me and got everything taken care of. Premiums were not affected in any way.

    On a side note. A friend of mine accidentally backed into the same car in the same spot at the station. I would have been happy to let him pay for the repairs so it wouldn't go on his insurance but he had a policy that allowed him up too $750 in damages before his insurance would be affected. I worked with them to keep it below $750 so we were both okay. Got my car fixed (again lol) and his insurance didn't go up.

    Both times it showed up as a rear bumper respray on CarFax so the value of the car wasn't affected.
     
  17. Jun 13, 2013 at 12:36 PM
    #37
    Mainmoe02

    Mainmoe02 Well-Known Member

    Joined:
    Apr 28, 2013
    Member:
    #103047
    Messages:
    2,013
    Gender:
    Male
    First Name:
    Moe
    Austin, Texas
    Vehicle:
    01 Gold tacoma SR5 TRD
    3" lift EIBACH coils w/ 5100's front, OME/ Dakar leaf springs w/ toytec adjustable shackles at 1.5" and 5125's out back. 33x10.5x15 KM2's Relentless DIY steel bumper.
    Insurance all the way. You know its gonna get taken care of.
     
  18. Jun 13, 2013 at 2:45 PM
    #38
    pklintworth

    pklintworth senior member

    Joined:
    Mar 24, 2013
    Member:
    #100465
    Messages:
    68
    Gender:
    Male
    First Name:
    Paul
    Lakewood CA
    Vehicle:
    02 taco prerunner 2x4
    injen tuned cold air intake system, Lifted and 17 inch pro comp rims
    let the insurance handle it if they left the scene you serisouly think there gona pay the full amount
     
  19. Jun 13, 2013 at 3:24 PM
    #39
    pickuptruckguy

    pickuptruckguy Well-Known Member

    Joined:
    Feb 24, 2011
    Member:
    #51809
    Messages:
    161
    Gender:
    Male
    First Name:
    Bill
    Tehachapi
    Vehicle:
    04 Doublecab 4x4
    you missed my point. I was trying to suggest that while it's possible his insurance might go up, a higher rate after this thing is settled shouldn't deter him from using his insurance to get the truck fixed now.
     
  20. Jun 13, 2013 at 3:53 PM
    #40
    miniceptor86

    miniceptor86 Well-Known Member

    Joined:
    Feb 18, 2008
    Member:
    #4799
    Messages:
    576
    Gender:
    Male
    First Name:
    Jim
    McGregor,IA
    Vehicle:
    07 Speedway Blue Prerunner Dbl cab
    TRD sport exhaust and cold air intake, nerf and bull bar, RideRide, ProEFX towing mirrors, BakFlip F1 trifold tonneau
    Let your insurance take care of it. That's one on the services you pay for with your premiums. Hidden damage, your covered. not happy with the workmanship, your covered. The person who hit you doesn't pay, your covered.
     
To Top