http://www.dieseltruckresource.com/pics/data/500/33114IMG_0796_2_-med.JPG http://www.dieseltruckresource.com/pics/data/500/33114IMG_0803_2_-med.JPG I was on my way to work yestersday and a lady runs a red light and hits me broadside at about 50 mph. I was two miles from my house and my mother was with me too. No one was hurt, except my truck which took a hell of a hit. I was flipping out and the lady would not get out of the car. There was a bunch of witnesses and when the police showed up she admitted to running the stop light and everything. She got cited on site.

Well I need a new side to my cab, floor pan since its all crinkled, two doors, bed side, and all new body mounts on the cab since it bent the bolts holding them. My frame has a small dent in it, but it is not bent at all. I just hope it comes back the way it was before, no squeaks and rattles. Here are some pics for you guys.

http://www.dieseltruckresource.com/pics/data/500/33114IMG_0805-med.JPG http://www.dieseltruckresource.com/pics/data/500/33114IMG_0813-med.JPG

Well, at least you or your mom were not hurt. I would not bet on the frame being straight. You can't tell until you get it on a frame machine. If the insurance company is willing I'd total it and look for another.

Sorry man.

Tuff luck. I hate stupid drivers!

Bummer. Glad everyone is ok. The truck did it's job of protecting you and your mom.

MikeyB

It's an 05, don't think much chance of it being totaled. Glad no one was hurt and the truck will well for a 50mph hit.

I know a guy that had this happen to his new truck and he made the insurance company pay extra for when he traded it. He had a dealer figure how much it hurt the value of it being wrecked. They tried not to pay the extra but they finally did because it wasnt his fault.

Good to hear that no injury's occurred and you all are safe. It looks like most of the impact was at frame level. 50mph T-bone? That's a pretty darn good impact. I would be really interested to see how your frame held up. What hit you:and what did it suffer. Take care, it's only a truck, the most important parts can't be replaced (you)!

Also, here is a clip on what KEV kinda hit on. If it aint totalled, I would push this as hard as you can:

Am I entitled to depreciation value?

Depreciation value is that sum of money which accounts for the decrease in the fair market value of your motor vehicle as the direct result of having been damaged in a collision even taking into consideration that your vehicle is repairable or is repaired. It is a recognition that a vehicle which has been in a collision and is repaired is of less value than a similar vehicle which has never been damaged. In other words, it is a value of loss over and above the repair costs. Depreciation is a very nebulous and gray area. The amount of depreciation will also depend on the severity of the damage. If there is minor damage there probably is no depreciation. On the other hand, the more severe the damage the more likely depreciation is present.

When negotiating with the adjuster you should demand that you get depreciation. Fact is the value of a vehicle can be greatly reduced just because it was in a wreck. Most adjusters will not volunteer depreciation value, therefore, you should raise the issue. On the other hand, some liability carriers will volunteer this information if your vehicle is no more than five years old and damage amounts to 25% or more of the fair market value. There is no computer formula which will account for depreciation. We have heard that some insurance companies will pay between 10% and 20% of the repair bill for depreciation.

You should be aware that if your vehicle is less than five years old and the damage to the vehicle exceeds 25% of its fair market value, you must disclose that fact to any subsequent buyer. This disclosure will certainly effect the amount anyone would be willing to pay or allow for trade in allowance for the vehicle.

Tuff luck. I hate stupid drivers!

Same here. I got hit by a stupid driver myself about a month ago. The only damage to my truck was a caved in rear door. Immediately after the collision the 19 year old admitted to me that it was his fault. When the officer arrived and took his statement he came up with a real whopper and would not tell the officer the same thing he told me. I guess since he had only liability he decided to try and take my insurance company for a ride. Since there was no witness to the actual collision, only the aftermath it became a he said he said situation. There was no conclusive evidence to place blame so no one was cited and each of us was now responsible to pay for our own damage. [verymad] It totalled the punks car when he hit the guardrail. My damage was just under a grand but I had to pay the $500.00 deductible. My thinking was I have never had an at fault collision with another vehicle in thirty-three years plus of driving, therefore the $500.00 deductible. Only in America can you not be at fault and someone tells a flat out lie and now be out the $500.00.

I got the truck out of the shop two days ago. What a mess! The body work turned out alright but could someone please tell me why experienced body men allow such a mess. The interior was covered with body filler dust.All of the windows except the passenger door windows which they covered also were coated with overspray as was two-thirds of the roof. The roof looked like it had been base coated and not clear coated. It took me five hours to clean this mess up. Meguiars Mirror Glaze on the roof, top of fenders, then waxed and brake parts cleaner on the windows along with major scrubbing and vacumning to the interior. I took the truck in spotless. I just don't get it. When I picked it up and opened the door I couldn't believe my eyes. I had the manager look at it and he had the carwash guy wipe the seats off with a damp rag and he appologized for the mess. I didn't see all of the overspray either until I drove away or when I got home.

Sorry to rant. I am glad neither you or your mother were hurt. This stuff just plain sucks and I feel for you. For me I have had way too many issues past and on going with my truck and it may be time to trade.

Thanks guys for your support, I just miss my truck. I'm driving the fiance's jeep liberty until I get a rental. I took the truck to one of the best places in our county, plus I was told by my insurance company I could take it anywhere I wanted. These guys will do pretty much anything I want them too. They are taking the bed off, so maybe I can get in there and finally do the fuel tank vent mod without dropping the tank. Her insurance company just called me and they are reviewing the claim which will take 24 hrs for them to contact me again. More waiting.

Glad you guys are ok. I agree with Geico with hoping it's totalled. Even with the best body shop, it's still been wrecked.

Glad she had insurance. We had the same thing happen to us with the wife 8.5 months pregnant. The kid didn't have insurance and our vehicle was totalled. It was only a year old as well but our insurance company totalled it and good thing too. Neither of us wanted to even look at that thing after that happened.

My wife is just about at her due date and I was lucky she was not with me or I might be in a different mode right now.

Good to hear that no injury's occurred and you all are safe. It looks like most of the impact was at frame level. 50mph T-bone? That's a pretty darn good impact. I would be really interested to see how your frame held up. What hit you:and what did it suffer. Take care, it's only a truck, the most important parts can't be replaced (you)!

Also, here is a clip on what KEV kinda hit on. If it aint totalled, I would push this as hard as you can:

Am I entitled to depreciation value?

Depreciation value is that sum of money which accounts for the decrease in the fair market value of your motor vehicle as the direct result of having been damaged in a collision even taking into consideration that your vehicle is repairable or is repaired. It is a recognition that a vehicle which has been in a collision and is repaired is of less value than a similar vehicle which has never been damaged. In other words, it is a value of loss over and above the repair costs. Depreciation is a very nebulous and gray area. The amount of depreciation will also depend on the severity of the damage. If there is minor damage there probably is no depreciation. On the other hand, the more severe the damage the more likely depreciation is present.

When negotiating with the adjuster you should demand that you get depreciation. Fact is the value of a vehicle can be greatly reduced just because it was in a wreck. Most adjusters will not volunteer depreciation value, therefore, you should raise the issue. On the other hand, some liability carriers will volunteer this information if your vehicle is no more than five years old and damage amounts to 25% or more of the fair market value. There is no computer formula which will account for depreciation. We have heard that some insurance companies will pay between 10% and 20% of the repair bill for depreciation.

You should be aware that if your vehicle is less than five years old and the damage to the vehicle exceeds 25% of its fair market value, you must disclose that fact to any subsequent buyer. This disclosure will certainly effect the amount anyone would be willing to pay or allow for trade in allowance for the vehicle.



question....if the insurance company pays to have the vehicle fixed to the way it was prior to the loss and the shop fixed like it SHOULD be to where no one can tell (and yes it can be done) ....then why should there be depreciation???....this doesnt apply to a house if it was damaged in a loss...why should a car if it is going to and Has already depreciated.....I would agree with this theory on a NEW less than 1000 miles or so and or a collector car that will go up in value....you know for a fact your not going to disclose this to any potentil buyers....besides...everyone blames the insurance companies....not the idiot that caused the problems....the insurance comp is SUPOSSED to pay for the damages and most due but I have a real problem with this dimished value thing..who can determine the "diminished value"...the looser salesman that is licking his chops offering you a WAY lower value anf then selling it for a profit....or that same salesman that offered you even LESS on your "undamaged" trade in?(oh thats right...he is an expert on the vehicles that he sells) [nonono] .or the uninformed non carunderstandin adjuster??...or worse yet...the courts or an atty?...what formula is used...if it is based on damage then is it the damage amount taken of the value??...no the truck is FIXED correct?...if not then make sure it is...and if it cant then total it. Is the second owner going to take a hit on that vehicle??.or better yet...you keep the vehicle 7 years....then sell it trade it in....are you going to take a hit ..NO WAY unless it is labled salvaged or junk...this dimished value thing is another way to keep lawyers busy(away from the golf course!) and to make rates go up......I agree with the statement that you should get all that you should get but NOTHING more and NOTHING less......oh and by the way...that 25% thing that you stated doesnt apply in all states furthering my point..

My wife is just about at her due date and I was lucky she was not with me or I might be in a different mode right now.

Yeah, I wasn't too friendly with the dude. Once I tore the door off the van to get out and stood up he went back to his truck and sat there until all of the emergency people got there. I probably didn't look like I was in the mood to talk right then. None of us got hurt except for my arm got drug on the asphalt a few yards. Nice scarring but only a flesh wound. I pull glass and small stones out of it once in a while but no permanent damage.

ck1, given a choice of two identical trucks at the same price, except that one had $10k+ of body work done on it, which would you buy? Also, in this day and age of Carfax and the like, it's impossible to conceal something like this. 05mxdiesel is clearly entitled to compensation for the "depreciation" he incurred through no fault of his own. If he had a rust bucket which could not be fixed without making it better than it was, the insurance company would hit him up for "betterment" as they call it. It goes both ways!

PS for 05mxdiesel: Make sure you get a lifetime warranty to cover you if (more like when!) the body work degrades more than the rest of the truck over time. Some insurance companies offer this if you use one of their approved body shops. I was rear-ended about ten years ago in a nice Mercedes and now much of the work needs to be redone. Good luck, please keep us posted.

I think all Stupid drivers should have small cars... They should test them and the worse they score the samller the car should be... really stupid people get mopeds.
I love it with I get bumped at a light... I get to rip their bumper cover off with I drive off! hahaha... I have had that happen 2 times! Funny as hell.. I could have unpinned my reciever hitch... but that is not nearly as fun as telling them to hold the brake while I pull away. :D [guitar] [duhhh]

Oilguy

This one hits close to home - I was broad sided in my '03 1-ton on the highway and am still recovering from the impact (whiplash). Broke the steering & suspension, diff, bent frame, oil pan dented, etc and we bounced off two guard rails that kept me from going over and into a river. My son was strapped into his car seat in the back seat and he's OK. Truck was written off after I insisted it be replaced or rebuilt 'as good as new'. I also told them I haul a heavy camper, so it needs to be able to safely load up more than groceries. Trouble is that I was 6 months past the insurance depreciation waver, so lost a bundle without recourse on depreciation.

Glad you guys were OK - that's what matters. It will take a while to settle the claims, but in the end it's the truck that saved you and I...we wouldn't be here if it wasn't for what we were driving.

ck1, given a choice of two identical trucks at the same price, except that one had $10k+ of body work done on it, which would you buy? Also, in this day and age of Carfax and the like, it's impossible to conceal something like this. 05mxdiesel is clearly entitled to compensation for the "depreciation" he incurred through no fault of his own. If he had a rust bucket which could not be fixed without making it better than it was, the insurance company would hit him up for "betterment" as they call it. It goes both ways!


I totaly agree with your anaolgy if you can see the damage but if it is FIXED thus my house analogy...that is my point..what if you had a rolex watch that was dropped and broke the crystal and did lets say 500.00 in damage and gets it repaired..would one (A) disclose any repaired damage? (b) depreciate it if it was "repaired" correctly?.. so what you are saying if ones damages are 10k he should be reimbursed a percentage of that?...makes no sense....again...truck is fixed and he is "reimbursed" a percentage of the damage and then sells truck to some poor unspecting sole for full retail he makes a profit now is that right? no(hey Carfax aint all that...it is a good tool that is NOT always used nor factual 100% of the time....I have a salvage car that is NOT listed on carfax at all)...
.....insurance companies are to cover the cost to repair or replace something in a given loss...to make someone whole...there is NO DEPRECIATION if the vehicle is not up for sale!! one may hold on to that "depreciated vehicle for years....why should an insurance company pay for depreciation on something that depreciates such as an average automobile at the time of the loss?....where is the LOSS?? it is pure greed to base depreciation at the time of the loss...If onetraded in a vehicle later on down the road and there was depreciation (which i TOTALY doubt if was repaired correctly.) it would be purely based on the poor repairs that the body shop did......this ALL has to do with REPAIRS guys...not to nail the insurance company which is now the victim along with JOHN Q PUBLIC with raised rates due to ridiculous litigation such as deprection on something that ALREADY depreciates....its funny...we all spent big $$ on our trucks and I will bet that there is a ton of trucks out there that had "dock damage" and was repaired (NORMAL in the industry i might add) and repaired correctly (more times then not) and no dealer or manfacturer would disclose it so and I dont hear no one sqwaken about deprecition...or how about when the paint peels and the dealer repaints it...are you going after the manfacturer for depreciation?...no becuase the repaint is usually better then the orig.....

Betterment is very correct as this applies to all things that wear....why should an insurance company pay for a new radiator when the one that was damaged had 100k or a battery that was four years old on a five year warrantied battery?? or worn suspension.....trust me without betterment our rates would be WAY higher
flame on!

glad you guys are ok, trucks can always be fixed. We can't :)

Thank god you and your mom were ok. My wife would have had to post my bail I think if this would have happened to me. Was a nice truck, too bad. Good luck with the insurance company.

Glad to hear you guys are okay.
Had a similar thing happen to my 99 back in June. Lady in a half ton was talking on her cell and didn't see that all the traffic on the freeway was at a total stop. Skid for about 70 feet before she finally stopped in the back end of my truck. Bad thing was I saw it coming and there was no where I could go. Bent the frame in two places, we insisted on totalling it. By looking at the two trucks at the scene of the accident, her's (actually a company truck) was in worse shape than ours. Even though she admitted fault to everyone (CHP included) we finally got everything settled with her insurance company. Only had the truck for a year and was so upset to see it damaged. Was just very thankful that my daughter was not in the truck with us. Bad thing was we were moving about 3 days later, and I was stuck driving a little rental car because the rental company screwed up the reservation.

Thanks for all your support, I had to make a couple phone calls back to state farm (ladies insurance) to get a rental. I have the wife's liberty right now, but she needs a car too. They come back and tell me they are going to give me an intermediate car, which I find out is a chevy cavalier, bs. Then I tell them how I had a 45k truck and I didn't ask to get hit,so they are giving me a Dodge dakota. At least its 4wd and not a ford.

I am also in the same situation, house is just about finished and we are ready to move in before the baby comes. I'm just lucky we have a family full of trucks and enclosed trailers.

Glad every one was ok!!

When my truck was in for a dent in the bed-side I was slated to get a Neon. The manager happened to walk by and made a comment about that diesel dodge in the shop and I told him it was mine. He gave me a free upgrade to "as big of a car as we have" so I got a Kia Sportage SUV :D . It was little and got worse fuel economy then my truck. At least he tried.

John

I totaly agree with your anaolgy if you can see the damage but if it is FIXED thus my house analogy...that is my point..what if you had a rolex watch that was dropped and broke the crystal and did lets say 500.00 in damage and gets it repaired..would one (A) disclose any repaired damage? (b) depreciate it if it was "repaired" correctly?.. so what you are saying if ones damages are 10k he should be reimbursed a percentage of that?...makes no sense....again...truck is fixed and he is "reimbursed" a percentage of the damage and then sells truck to some poor unspecting sole for full retail he makes a profit now is that right? no(hey Carfax aint all that...it is a good tool that is NOT always used nor factual 100% of the time....I have a salvage car that is NOT listed on carfax at all)...
.....insurance companies are to cover the cost to repair or replace something in a given loss...to make someone whole...there is NO DEPRECIATION if the vehicle is not up for sale!! one may hold on to that "depreciated vehicle for years....why should an insurance company pay for depreciation on something that depreciates such as an average automobile at the time of the loss?....where is the LOSS?? it is pure greed to base depreciation at the time of the loss...If onetraded in a vehicle later on down the road and there was depreciation (which i TOTALY doubt if was repaired correctly.) it would be purely based on the poor repairs that the body shop did......this ALL has to do with REPAIRS guys...not to nail the insurance company which is now the victim along with JOHN Q PUBLIC with raised rates due to ridiculous litigation such as deprection on something that ALREADY depreciates....its funny...we all spent big $$ on our trucks and I will bet that there is a ton of trucks out there that had "dock damage" and was repaired (NORMAL in the industry i might add) and repaired correctly (more times then not) and no dealer or manfacturer would disclose it so and I dont hear no one sqwaken about deprecition...or how about when the paint peels and the dealer repaints it...are you going after the manfacturer for depreciation?...no becuase the repaint is usually better then the orig.....

Betterment is very correct as this applies to all things that wear....why should an insurance company pay for a new radiator when the one that was damaged had 100k or a battery that was four years old on a five year warrantied battery?? or worn suspension.....trust me without betterment our rates would be WAY higher
flame on!


You think the insurance companies are or even could be vicitims?

Obviously you have never dealt with any insurance company, especially on the loosing side.

I had $5000 worth of medical bills from a car accident, they paid $800 (State Harm). Had another truck hit, the only parts the insurance company would use were used or aftermarket, the truck had 10,000 miles on it (All Take). Would not even look at estimates by a oem body man, wanted 3 estimates and would pay the least not the best. Dealers body shop was the middle estimate.

I don't believe in getting something for nothing but dimished value is real. I will not drive a vehicle that has been wrecked so everyone that has been has been traded (2). If you have a dealer do the repair guess what they hit you when you trade it for a like truck or car cause they can. Is that my fault? No it is the insured's fault AND the insurance company that agreed to insure them.

Dimished value for a 1983 Ford Ranger with 245,000 miles? I don't think so. Dimished value for an '05 2500 CTD? ya **** right.

Seeing the pictures of your truck after the wreck just makes me so happy to be driving mine. I know the damage to your truck is a dissappointment. And having to deal with the insurance companies and getting your truck fixed is a PITA.

BUT.......just think if you were driving a Toyota Corrolla or a Cavalier or something and that lady hit you broadside at 50mph? You might not be here to post the thread.

I love driving my truck. I feel safe in it. And unless I tangle up with a semi-truck.....I feel like my odds of living through a collision are SO MUCH higher than driving a smallish car or truck.

Good luck with everything!! Glad you and your Mom are safe! That big heavy truck did it's job well.

Glad everyone is ok.

Make sure to check out the body shop before you give that truck to just anybody. That is (unfortunately) a lot of damage and their are a lot of little things that add up and can be problematic in the future. I can almost guarantee that there will be more damage found once the body man rips into it. I've worked in body shops and around cars and am very picky about letting someone else work on my truck if I can't do it myself. Check all the jambs and gaps and don't hesitate to ask questions. Make sure that they use OEM parts and not aftermarket, I've never seen an aftermarket part that fits as well as the factory. It sucks that you have to go through all of this but make sure to stay on top of it.

When I was in a wreck I told the rental company that I wanted a truck, since that was what I brought them, and the guy told me that if I told the insurance company I used the truck for work they had to give me a truck. Might be different in other states but it kept me out of a neon...