15k$ in body damage

[Juanblzer]

Was on a forest service road that runs through a slot canyon. It started to get way too narrow so as we decided to back out the surrounding cliff sides buried our lx470 to about mid door. It was scary as hell. Both my small children, dogs and wife were in the rig with me. The debris and rocks and cactus damaged both sides as we put it in 4low and managed to back out completely.

I have full coverage but I'm worried the 2001 lx470(I owe 9600$ on the car loan) will be totaled out. I made a claim on my insurance already (my wife insisted).

Sadly, I love this rig (my first Toyota product) and I don't care about dings and dents.
Has anyone had to argue the value of vehicle to insurance? How much will they possibly sell the rig back to me if they even allow that?

 

[Juanblzer]

Two auto shops already quoted me 15,000$ in repairs!

 

[Juanblzer]

More

 

[Juanblzer]

Both bumpers were damaged

 

[Juanblzer]

Many deep grooves and gouges and branches and debris even scratched the roof.

 

[camino70]

That'll buff right out.





Sorry, had to say it. In all seriousness, it doesn't look that bad. I'm not sure how insurance works or how your state handles totaled vehicles, but if I were you I'd buy it back, get real bumpers, replace the busted lenses and keep in driving it.

 

[ponytl]

a mere flesh wound... My experience with insurance companies is if you document value and don't give up they give in... I would think they should pay you 12k and you keep the truck

 

[DuckLN]

They can do a market survey if need be

 

[Juanblzer]

One quote tally

 

[e9999]

I don't know, man, your rig looks like a mean offroader's rig now. Lots of people here would pay good money for that look, from what I see... Might be better off buying a cheap shiny DDer for your wife, pocket the rest, and enjoy the attention on the road with your newly masculinized truck...

 

[ihadmail]

Glad to hear you and the kids are ok!

I would argue with insurance if they tried to total it over paint and bumper covers. Get the settlement, buy some steel bumpers if wanted and pay the rest toward the note.

Brag to Your friend that you drove it out of a rockslide with nothing more than a few scuffs.

 

[Juanblzer]

My other rig... The reason she was so bummed

 

[Juanblzer]

So much of the cost is new body cladding. I'm thinking (if I get to keep it) of removing the cladding and bedlining those areas

 

[45Kevin]

Holy cack. I do estimating all the time, in construction mind you, but when I get a quote or bill the first thing I do is look at the labour.
Is that repair close to 200 hours of work?
Not in my mind.

 

[Juanblzer]

Holy cack. I do estimating all the time, in construction mind you, but when I get a quote or bill the first thing I do is look at the labour.
Is that repair close to 200 hours of work?
Not in my mind.

Yeah, I almost laughed but then I realized he was serious.

 

[Juanblzer]

Another quote

 

[Juanblzer]

Lastly

 

[crimsonaudio]

Man, my rig's not that scratched up, but I've earned a lot of my 'stripes' running this rig off road. I'd fix the serious damage, make sure the paint is intact where need-be and put on front / rear bumpers, and let it roll!

 

[SALTY METHODS]

Dude... That body and paint is F'd.

 

[reznunt]

if I were you I'd buy it back, get real bumpers, replace the busted lenses and keep in driving it.

I just said this out loud, and then I read your post.