Woke up to a guy ringing my doorbell at 6:00am, and it was a guy I had seen before walking his dogs early in the morning on our street, so I opened the door and he proceeded to tell me that my LC was on our neighbors front lawn along with another SUV that had hit it. The driver just bailed and left it! We heard the noise at around 11pm but we were already in bed then and I was asleep. Wife woke up and thought it was just a transformer exploding, because that happens a lot in the neighborhood, so we didn't go out to investigate. I was the one who called the cops, and I'm super surprised NO ONE else called it in.... i mean, 11pm isnt that late.
Anyway, we're in the very early stages of the insurance claim, and there might not be coverage on the Pathfinder, which is fine, because I have uninsured motorist coverage.
The damage doesn't look terrible on the surface but it would be a lot of work to get things fixed. I'm pretty sure it will be totaled, so I'm already researching independent appraisers for when my insurance company wants to give me $1000 for this truck, but who knows what they'll come back with.
The whole rear quarter is pretty bad. As you can see there's a substantial outward dent, tailgate is done for, and in the last image I'm trying to show that the inside floor has been pushed in. Frame is bent too, so while the truck isn't 100% trash, it might not be worth saving.
What say you, mudders? Is this worth fixing at all if by some insane chance they don't total it? I was about to pull this thing in the garage TOMORROW to finally put in a new fuel tank, all fuel lines, shocks and all suspension bushings. Those are the last things it needed mechanically, then it would be onto interior and body/paint.
Has this happened to any of you before and what was the outcome with the insurance, any advice?
