- Thread starter
- #21
I do have the hammock back there and funny you mention, I was just looking into the seat belt options for them for when we go wheeling together. Thanks for the suggestion!
So how did we do? *Warning: Graphic Images*
- Thread starter MongooseGA
- Start date
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+1 for the seatbelt options. We have a full harness and seat belt attachment for our Brittany Spaniel. She gets buckled into the second row or tethered to a tie down point in the cargo area. It's certainly not as good as a human seatbelt, but much better than nothing. Super cheap, too.
Wheeling without that harness is really annoying for both of us, but with the harness she can easily anchor herself and enjoy the breeze with her head out the window.
Those that followed during any one of the last 3 HIH events can attest to how well she's able to hang on out the window while wheeling!
Wheeling without that harness is really annoying for both of us, but with the harness she can easily anchor herself and enjoy the breeze with her head out the window.
Those that followed during any one of the last 3 HIH events can attest to how well she's able to hang on out the window while wheeling!
Ouch, that sucks! Sorry.
At least you and your dog are ok. That’s more important than your rig.
At least you and your dog are ok. That’s more important than your rig.
- Thread starter
- #24
I get a rental tomorrow! I can be mobile again!
The other driver's provider wants to get this wrapped up asap which is good to hear. Anyone who's gone through this process with another driver being obviously at fault, corporate, and going through their provider... What should I expect? I'd read somewhere that in GA it's expected that I'm entitled to being put back in the same position I was in before. To me, that means a vehicle of the same condition with the same maintenance and upgrades or the cash equivalent to that. Should I be looking for a figure to replace my truck down to those items or am I likely going to be looking at just a cash value payout of a few grand? There's probably a 5 figure spread between those two numbers and I don't know what I'm supposed to be getting. No desire to get over on anyone, but I do want to be even.
The other driver's provider wants to get this wrapped up asap which is good to hear. Anyone who's gone through this process with another driver being obviously at fault, corporate, and going through their provider... What should I expect? I'd read somewhere that in GA it's expected that I'm entitled to being put back in the same position I was in before. To me, that means a vehicle of the same condition with the same maintenance and upgrades or the cash equivalent to that. Should I be looking for a figure to replace my truck down to those items or am I likely going to be looking at just a cash value payout of a few grand? There's probably a 5 figure spread between those two numbers and I don't know what I'm supposed to be getting. No desire to get over on anyone, but I do want to be even.
I’d show the adjuster this thread and all of your receipts. This thread documents a lot of work done and money/time spent.
I had a lemon Maxima totaled by a wheel that sheered off a low boy trailer (commercial). Their first offer was a full $2K over what I could have ever sold that car for (even if it was in amazing condition).
Don’t be afraid to say no until you get a fair offer.
I had a lemon Maxima totaled by a wheel that sheered off a low boy trailer (commercial). Their first offer was a full $2K over what I could have ever sold that car for (even if it was in amazing condition).
Don’t be afraid to say no until you get a fair offer.
I would do a search for vehicles for sale like yours, meaning year and miles. Pick a few. Please remember our vehicles always sell for better than a blue book value. Given the modifications you can add those to the prices you see that you could buy a "like" vehicle for. Add about 2 grand to that number and start there. So, lets say your comps that you find for a similar condition cruiser are around 12k add your accessories 5k and don't forget the level of maintenance such as timing belt service value 1k. Tell them 18k would be an acceptable amount to replace your vehicle if you get to keep yours. They will likely try to go by blue book but, your comps will show a fair replacement value. You can negotiate from there letting them keep your wrecked cruiser minus the wheels and tires if you swap them out with the old stock wheels and tires etc. Don't feel that you are getting over on anyone as our vehicles are not an easy find. They will likely agree with this process. Take your time finding your comp's and find some examples out of your area where rust is a non issue. I have used this method and have helped several customers with the process with good result. If you need any help or advise just reach out. J
I think it completely depends on insurance company. My first car was a 93 4 cylinder mustang convertible I bought at a aution for $700, it wasn't worth that. Got hit by a state farm insured driver 2 months later got paid 3500 for it. I've had the opposite happen and not necessarily getting screwed but getting "sure that's fair I guess, not worth fighting you" value. State farm and the Hartford has always been head and shoulders above the rest in my experiences.
- Thread starter
- #28
In my case, I'd have a lot of parts I'd want to remove. Interior (depending on the new one), suspension, stereo, wheels, ....maaaybe the headers? Would I be best retaining the vehicle myself or would I have to negotiate the value of those parts off of my payout amount and let them have the rest? I could in theory put most of everything stock back in the truck before they took it. Not sure if that counts as some sort of fraud, though.
That would not be fraud if you disclose what you want to do before hand. I would think of this from the labor side of things. They would want you to replace the headers with the stock setup so they can still auction the vehicle for a fair price to recoup loss. I would shoot for the value of the part that way you are not removing and replacing and doing the same process again on your new 100. Not the most fun doing manifolds! Let them know what you want for parts value and labor for install on the other vehicle. Add everything up you spent and include labor hours and start there with them. You know, ask for every peny and a little extra so you can come off your price a bit to make them feel like they win a bit.
Here is a couple of comps use this
2003 Toyota Land Cruiser
2000 Toyota Land Cruiser 4WD / 3RD SEAT / TIMING BELT DONE / LIFT
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1999WhitePearl
SILVER Star
This may or may not help with your negotiations with insurance, but my 99 got hit back in May and they ended up totaling it. They sent me $9000 check and took the truck. It had 217K and needed a lot of maintenance items, so it worked out in the end. I only payed $7500 when I bought it.
- Thread starter
- #31
Damn, that doesn't look all that bad at all. Shame it went to be totaled.
Tomorrow I'll be on the adjuster to keep things moving. I'm anxious already and wanting to seriously start shopping for a new truck but realize it's pointless without knowing what I'll come out with in the end of this.
Tomorrow I'll be on the adjuster to keep things moving. I'm anxious already and wanting to seriously start shopping for a new truck but realize it's pointless without knowing what I'll come out with in the end of this.
Bummer. I would not let them take the 100. If you can mod it, you can fix it. How's your back? Mine would be "hurtin real bad!"
- Thread starter
- #33
Just heard from my mechanic, the appraiser came out to view the truck today. His first reaction when walking up to it was "oh yeah, it's totalled".
My buddy who owns the shop did his best to talk the truck up and try to show the guy all the work just done to it. I've tallied my receipts for everything from the LX interior swap to the final maintenance items and have come up with a complete figure of all the work and money put into the truck since purchasing on the 1st of August.
I have about a dozen vehicle comps for trucks with higher mileage and lots of maintenance or some mods which should help show the value over book figures for these vehicles.
I have a spread sheet of all of my out of pocket expenses since the accident (what would happen for someone who didn't have any money?!) and have receipts for everything.
I work a commission only job and this incident put me out of work for a week. It's hard to assign an hourly wage or even weekly wage. If I wanted to seek lost wages, what sort of math would I be using? I'm thinking pay stubs for the last few months but if there's a formula or specific criteria that anyone is familiar with, what is it?
Still waiting to send in the vehicle receipts. Should I submit them before they try to send me an offer or wait until that figure comes over?
Thanks to everyone for the input and help. I've not done this whole dance before and to be honest, it's a really pain. The anxiety from the first few days was crippling, the physical discomfort hasn't been fun, and the time this takes is eating up my plans for fall weather outings to the N GA mountains. If there's one piece of advice I could give, it this:
Don't get hit by a dump truck.
My buddy who owns the shop did his best to talk the truck up and try to show the guy all the work just done to it. I've tallied my receipts for everything from the LX interior swap to the final maintenance items and have come up with a complete figure of all the work and money put into the truck since purchasing on the 1st of August.
I have about a dozen vehicle comps for trucks with higher mileage and lots of maintenance or some mods which should help show the value over book figures for these vehicles.
I have a spread sheet of all of my out of pocket expenses since the accident (what would happen for someone who didn't have any money?!) and have receipts for everything.
I work a commission only job and this incident put me out of work for a week. It's hard to assign an hourly wage or even weekly wage. If I wanted to seek lost wages, what sort of math would I be using? I'm thinking pay stubs for the last few months but if there's a formula or specific criteria that anyone is familiar with, what is it?
Still waiting to send in the vehicle receipts. Should I submit them before they try to send me an offer or wait until that figure comes over?
Thanks to everyone for the input and help. I've not done this whole dance before and to be honest, it's a really pain. The anxiety from the first few days was crippling, the physical discomfort hasn't been fun, and the time this takes is eating up my plans for fall weather outings to the N GA mountains. If there's one piece of advice I could give, it this:
Don't get hit by a dump truck.
Well crap. There go my weekend plans.
In all seriousness, I've been working commission only for most of my life. Any time I've dealt with something like this, I take my rolling 12 months and divide it by 52 to come up with a weekly number. It's not scientific, but about the best that I've been able to come up with and has seemed to work with most issues.
Well it is good that you have everything in order as far as your receipts, paperwork, comps, etc. I would wait until you get an offer from them and then if you don't like their offer send them the comps and all of your receipts and see what they say.
All I can say is things happen for a reason and who knows you might come out of this deal better than you did after the first one was totaled. In the end it will all work out!
- Thread starter
- #36
Thanks Jason. That's the kind of mentality I'm trying to keep up. The first silver lining to this whole thing is that the Moffitt was on the back of the truck and the deck of the trailer didn't go through my windshield. The second is that the pup and I are generally ok. The third... Well, I guess we'll find out.
@neckbone thanks for the tip. I can definitely manage that.
@neckbone thanks for the tip. I can definitely manage that.
- Thread starter
- #37
I owe you a hot dog or something. I finally received the evaluation today and they came up with $14,620 in damage to the truck.
On to the negotiations...
- Thread starter
- #39
Hey GA, glad you're OK. Chris here, I think I've worked on that Merc of yours.. and your SC back in the day if I have the right guy!
