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insurance... need comparables!

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Old Feb 6, 2008 | 09:17 PM
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ridinlow333's Avatar
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insurance... need comparables!

Alright men i need some comparables for my insurance adjuster to show him what my truck is really worth and that 188000 miles isnt that much for a diesel. what i'm looking for is 1st gen 2wd dually's with over 150000 miles. hoping to get this guy convinced that i could have sold my truck for more than he wants to give me... i know these trucks sell well down south so if any of you can find any ads or listings or these please forward them on.
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Old Feb 6, 2008 | 09:55 PM
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From: north woods of Michigan
http://cgi.ebay.com/ebaymotors/ws/eB...ksid=p3907.m32 that one has a tone of miles on it. I thought they just went by NADA book value.

edit: oops missed the dually reg cad part but it might be useful anyway.
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Old Feb 6, 2008 | 10:15 PM
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From: Decatur, Texas
I am a dealer in Ft.Worth and just bought a 1992 regular cab dually with 166-k miles for 2850.! But had to replace both rear fenders and paint is pelling off the hood and fenders, rear springs weak. Had fenders fixed, springs rebuilt and seat built up. Will be on ebay in a couple of weeks and looking to get around 5000.00 or I will keep driving it.

Just sold a 1991 3/4 ton diesel POS with 207-k run good but a Turd sold for 2500.00!
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Old Feb 6, 2008 | 11:13 PM
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From: Florida Panhandle
Try Ebay. Search on "Cummins 91" or "Cummins 92" and see what you find.

You could also try this search if you're somewhere south - it looks thru CraigsLists all over Florida, GA, AL for "Cummins".
http://www.phatduckk.com/clmm/cars.p...se%5B%5D=tulsa
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Old Feb 7, 2008 | 12:08 AM
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...and yet ANOTHER individual trying to prove value to the insurance man.

MODERATORS...another example of why a sticky with recorded bought/sold values with detailed decriptions/pics is an invaluable resource.
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Old Feb 7, 2008 | 03:47 AM
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ya and the worst part is it's not only us older diesel guy's either, my buddy had a beutiful '99 suburban and got in to a wreck and the accident was the other persons fault even and he got only 3200 out of it
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Old Feb 7, 2008 | 12:25 PM
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From: Dallas Baby!!!!
Welcome to my nightmare!!!!!!


http://motors.shop.ebay.com/Cars-Tru...Diesel7a00d3fa
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Old Feb 7, 2008 | 01:41 PM
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From: Dallas Baby!!!!
I could not find it when I just looked for it, but I have seen a "recently sold" tab that let you look at similar trucks that have sold recently on ebay. If you can find it, it will have alot of the selling prices for you.

BTW...What are they offering you?
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Old Feb 7, 2008 | 02:21 PM
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From: Gaston OR
Mine was totaled in Oct 2005 and the insurance company and I setteled on $5600 and I kept the truck. I rebuilt it over the winter and had it appraised in Dec 2006 at $7200. It has a little over 208,000 miles on it. The appraiser found some on the internet so that they could come up with an accurate appraisal number. If there is anything I can do to help just let me know.

Bob
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Old Feb 7, 2008 | 02:24 PM
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ol' 93 12 valve's Avatar
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From: boerne texas
go to autotrader.com there is a bunch there.
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Old Feb 7, 2008 | 03:18 PM
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From: SW Pennsylvania - Greene County
The insurance company will probably base the value and your insured rate from some place such as Kelly Blue Book. In the past some insurance companies offered policies where you could insure your vehicles value beyond the average insured value but you were required to pay an additional pro rated amount per thousand dollars in excess of the average amount. I know this was available for antique and collectible vehicles. It is well worth doing this if your insurance company offers it. It is also worth finding out the insurance companies yearly pay off value before you need to case in your policy in the event of an accident. This alleviates the current situation where you think your truck is worth $10,000 but your insured rate has a ceiling of $6,000. You also have to keep in mind the insurance company is in the business of selling demolished vehicles so they also have a good concept on what it's worth demolished.

Anyhow, here is a link to Kelly Blue Book - retail value as they probably see it:
http://www.kbb.com/KBB/UsedCars/Pric...tion=Excellent
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Old Feb 8, 2008 | 05:11 PM
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offer

the insurance company told me that my truck's market value is 4200 dollars.... i did talk a bit and send him some ads and what people are asking and he said he would get back to me on monday
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Old Feb 8, 2008 | 09:03 PM
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From: Dallas Baby!!!!
Tell him that its not enough. Tell him about the 10K ones on ebay. You have to be patient. It will take a while for them to creep up to an acceptable number.
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Old Feb 9, 2008 | 06:38 AM
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From: SW Pennsylvania - Greene County
They are going by Kelly Blue Book "trade in" value. Point out that you are not trading it but are replacing it with the same thing. Print out the KBB trade in and retail values along with the EPay closed auction values. The sad part is what ever they end up giving you will eventually will be paid back to them by you over the next five to seven years in the form of a rate increase due to your accident. Insurance companies are in the business to make money and we are the source of that money.
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