Posts
667
Joined
6/9/2017
Location
Temecula, CA, USA
Edited Date/Time
7/22/2021 6:39am
My wife got hit in my truck yesterday while waiting at a light, a Honda Accord veered off the road straight into her and t-boned her. The driver claimed to have “lost her brakes” but I think she was distracted. Accident happened at 6:00 AM with no other cars on the road. Driver accepted fault and her carrier accepted liability.
Now the frustrating part. My truck is a 2011 Toyota Tacoma 4x4 which has been meticulously maintained. It’s paid for with under 100K miles. I had planned to pass it down to my future children. Anyway, the truck got t-boned while stopped at at least 40-50 mph. Tacoma’s are expensive and mine is fully built. I’m super frustrated because I don’t wan to end up with a truck payment or a crappy vehicle. I also don’t want to be driving in a compromised truck. I’m no expert but the frame looks all tweaked and my rear axle is now leaking along with the drive shaft being blown off.
Their insurance carrier recommended a shop and I towed it in and a front desk receptionists (not a specialist or mechanic) assessed the damage. She wrote down $10k in damages but in the quote there is no new springs (which ripped off), no axle repair (wheels are all bent), just paint and body work.
At this point I called my own insurance and they’re sending a field adjuster to asses and they’ll just subrogate.
Now the frustrating part. My truck is a 2011 Toyota Tacoma 4x4 which has been meticulously maintained. It’s paid for with under 100K miles. I had planned to pass it down to my future children. Anyway, the truck got t-boned while stopped at at least 40-50 mph. Tacoma’s are expensive and mine is fully built. I’m super frustrated because I don’t wan to end up with a truck payment or a crappy vehicle. I also don’t want to be driving in a compromised truck. I’m no expert but the frame looks all tweaked and my rear axle is now leaking along with the drive shaft being blown off.
Their insurance carrier recommended a shop and I towed it in and a front desk receptionists (not a specialist or mechanic) assessed the damage. She wrote down $10k in damages but in the quote there is no new springs (which ripped off), no axle repair (wheels are all bent), just paint and body work.
At this point I called my own insurance and they’re sending a field adjuster to asses and they’ll just subrogate.
The Shop
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on a side note an old LA trick for up and comers, who want to appear wealthier than you actually are
Buy a salvaged Mercedes, BMW, (whatever) and take it to a body shop (the more the Hispanic Vietnamese, Korean etc the better) and pay them cash to fix it up the best they can, but make sure it looks good. Keep in mind it may be a complete lemon at this point, but you can do that for the cost of an old regular running cheap commuter.
I’m bummed because the truck is paid for, immaculately maintained and some negligent driver destroyed it. I’m livid.
Pit Row
My biggest gripe is that even with keeping my truck and getting paid, I’ll be forced to cough up around $10K (not including sales tax, etc..) for another truck around the same year. If I want a newer truck then I’m looking at being stuck with a truck payment again. My only solution at this point is take the money, take my parts off, sell the truck as salvage and hopefully make enough to be back in another truck.
Not to mention, I’ll be out of a truck for who knows how long.
Call ex Moto guy Arthur Draper and tell him pulpmx sent you! Ambulances chase him.
As for the truck, that's a bummer. I hope the take in account the work you did. But I know with side by side insurance you pay to cover aftermarket stuff. I have 40k+ in aftermarket accessories covered. I don't think they will cover your wheels/lift based on insruance on a "stock" truck. Again, not totally sure how it works. I have wheels/lift on my silverado and pay a little more for aftermarket add-ons. Which I get boned for because I'm 25.
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