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Bummed out. Some kid wrecked my truck.

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Forum topic by John posted 02-26-2009 03:24 PM 2124 views 0 times favorited 39 replies Add to Favorites Watch
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John

169 posts in 2537 days


02-26-2009 03:24 PM

I was on my way home from the gym and lunch with my training partners and a Jimmy Johns delivery kid cut me off. I’m fine just woke up with a headache this morning. The truck was 4 months old and I had waited a long time to get it. The officer issued the kid a ticket for failure to yield and said the insurance companies take that as fault. My insurance co said I shouldn’t even have to pay a deductible. I’m just concerned about all the audio equipment I installed. If it’s totaled will I get replacement value? If it’s not totaled will it drive right after this? Bummed.

I’ll post the outcome.

-- Brain the size of a planet and they have me parking cars.


39 replies so far

View Moron's profile

Moron

4717 posts in 2637 days


#1 posted 02-26-2009 03:29 PM

That sucks

I’ve had my truck 4 years without a scratch. This week I backed it up in a parking lot, saw the light pole but missed seeing the concrete bunker that holds the pole…......BANG. Same day tried to cut a corner on the farm and scratched the fender…........unlike you, I have no one to blame but me!

-- "Good artists borrow, great artists steal”…..Picasso

View Scott Bryan's profile

Scott Bryan

27251 posts in 2565 days


#2 posted 02-26-2009 03:46 PM

That is a bummer, John. Of course, the main thing is that neither one of you was seriously hurt.

Good body shops can do wonderful restoration jobs that should return the truck in factory condition. But, as far as the audio equipment is concerned, you should talk with your agent about that since state laws vary. But, in a similar discussion with my agent, about one of my trucks that my youngest son accessorized when he was driving it, I was told that, unless I specifically included the accessories on my policy, the insurance company was only obligated to consider the truck in its original condition should it be wrecked.

Let us know how this is resolved.

-- Challenges are what make life interesting; overcoming them is what makes life meaningful- Joshua Marine

View interpim's profile

interpim

1133 posts in 2202 days


#3 posted 02-26-2009 04:35 PM

Some insurance companies have clauses that you can associate your audio equipment with… It would probably require that you have receipts for everything you put in, and most likely you will not get the full value of it back.

It doesn’t look like there is any damage to the interior, so it is probably possible for you to scavenge the current equipment out of the truck.

-- San Diego, CA

View 8iowa's profile

8iowa

1491 posts in 2505 days


#4 posted 02-26-2009 04:51 PM

Most people, wives included, don’t realize the attachment we guys have for our pick-up trucks. I share your pain.

“Big Red”, my Dodge Ram, was sitting peacefully in his driveway when two little old ladies backed in and dented his right front fender….........bummer…........naturally they scooted off hurridly, leaving me with the repair expense.

-- "Heaven is North of the Bridge"

View PurpLev's profile

PurpLev

8476 posts in 2392 days


#5 posted 02-26-2009 05:00 PM

oh man, that sucks… I wish people wake up and realize that there are other people on the road besides them….

hope you’ll get everything sorted out for ya…

-- ㊍ When in doubt - There is no doubt - Go the safer route.

View MsDebbieP's profile

MsDebbieP

18615 posts in 2904 days


#6 posted 02-26-2009 05:01 PM

that sucks :(
I hope things work out in your favour—healthy truck as good as new.

Glad you are ok, other than the headache.

-- ~ Debbie, Canada (https://www.facebook.com/DebbiePribeleENJOConsultant)

View thelowmax's profile

thelowmax

6 posts in 2121 days


#7 posted 02-26-2009 05:13 PM

I had a friend say to me the other day, upon hearing that my mother’s house burned down, “wow. She hit the lottery.” Putting aside the insensitivity, I was more saddened by the niavete bordering on stupidity. After 2 years of battling with the insurance company and the so-called adjuster, mom is still trying to recoup for her belongings. What a scam. The house was insured for double it’s value (400k), but the land is still there, worth 200K, so you only get 200K. Oh but that money doesn’t go to you. It goes to your mortgage company. They will give you 1/3 of your money, once you have shown that you have rebuilt your house at least halfway. Already the math is crazy. They’ll give another 1/3 once the house is 3/4 done. This is a 70 year old lady’s primary residence. Now when trying to be compensated for possessions and personal items, please be prepared to list off each one individually and include reciepts if you want them to consider it. Get that? You need to prove that you have replaced it before you can get the money to replace it. I can only imagine the horrors people like Katrina victims or people living check to check, had to go through. No wonder so many lost their homes and never came back.

OK I’m done ranting for now.

View Brad_Nailor's profile

Brad_Nailor

2532 posts in 2701 days


#8 posted 02-26-2009 08:37 PM

Insurance is one of the biggest legal scams known to man. You have to have it, then when you need it they nickel and dime you to death, then pay you a minuscule portion of what you insured is worth, and then hike your rate up through the ceiling or drop you all together. Watch Spike Lees documentary about the Katrina victims and how big insurance company’s like Nationwide and Allstate screwed people blind. Not enough room at the bottom of the ocean for insurance execs, and lawyers…

-- http://www.facebook.com/pages/DSO-Designs/297237806954248

View Gene Howe's profile

Gene Howe

6032 posts in 2172 days


#9 posted 02-26-2009 08:47 PM

“Insurance is one of the biggest legal scams known to man. You have to have it, then when you need it they nickel and dime you to death, then pay you a minuscule portion of what you insured is worth, and then hike your rate up through the ceiling or drop you all together. Watch Spike Lees documentary about the Katrina victims and how big insurance company’s like Nationwide and Allstate screwed people blind. Not enough room at the bottom of the ocean for insurance execs, and lawyers…”

And we are bailing them out!

-- Gene 'The true soldier fights not because he hates what is in front of him, but because he loves what is behind him.' G. K. Chesterton

View Francisco Luna's profile

Francisco Luna

936 posts in 2137 days


#10 posted 02-26-2009 09:13 PM

Would be a good idea if you contact / consult an attorney. That’s a nice truck, and it wouldn’t be the same repaired (salvage).

Police officersssssss!!!!
Highway patrooooollllllsssssssss!
WAAAAAAAAKKKKKKEEEEEEEEE UUUUPPPPPPPPPPPP!!!!!!!!!!!!!!

-- Nature is my manifestation of God. I go to nature every day for inspiration in the day's work. I follow in building the principles which nature has used in its domain" Frank Lloyd Wright

View MsDebbieP's profile

MsDebbieP

18615 posts in 2904 days


#11 posted 02-26-2009 09:30 PM

in a local town there is a street that keep flooding. (City won’t fix it). Home owner, the second year, got a letter from the insurance company. The letter stated, ” we will no longer insure you because you make claims.” Ah yes.. pay us but never ask for any claims.

Gosh, aren’t you feeling better now, John?? !!!
Again, I hope it all goes smoothly for you.

-- ~ Debbie, Canada (https://www.facebook.com/DebbiePribeleENJOConsultant)

View John's profile

John

169 posts in 2537 days


#12 posted 02-26-2009 09:36 PM

I’m staying positive and dealing with things as they come. Other drivers insurance company accepted blame and is paying for repairs and rental car. Went to the auto body shop and they have not disassembled yet but the estimate is around $9000. The are calling me when body panels are removed to let me take pictures and explain repairs. Going to the doctors just to be safe.

-- Brain the size of a planet and they have me parking cars.

View Chris Wright's profile

Chris Wright

536 posts in 2225 days


#13 posted 02-26-2009 09:36 PM

That really sucks, I’m sorry to see that that happened, as long as the frame isn’t bent, it should drive like new after the repairs. That being said, I’ve never been in a car that’s had to have serious body work done to it after a crash that’s driven like it did before. As for the audio equipment, it should be covered. If it’s wrecked, put the cost on the claim form, the worse they can do is deny that part of the claim.

-- "At its best, life is completely unpredictable." - Christopher Walken

View Karson's profile

Karson

34911 posts in 3144 days


#14 posted 02-26-2009 09:47 PM

I’ve had the insurance co ask for me to put the original equipment back in the vehicle when it was totaled.

You can keep everything that you put in new.

-- I've been blessed with a father who liked to tinker in wood, and a wife who lets me tinker in wood. Southern Delaware karson_morrison@bigfoot.com †

View dennis mitchell's profile

dennis mitchell

3994 posts in 3058 days


#15 posted 02-26-2009 10:03 PM

Did you save your towel? The universe is a dangerous place.

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