Someone creamed my Cruiser, need advice (Florida wreck) (1 Viewer)

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I would check the tie rods and other linkage on the front axle to see if any got bent, I assuming that the car was parked on the street and shoved into the curb
 
I would say that is fixable. A shop with a frame machine could get the windshield frame back to square. Would have to cut out the door frame and weld in a good one. Cut the rocker out and weld in square tube and then cut out the bent floor piece and weld in a straight patch. Or you could do a body swap which wouldn't be that hard. Could probably have the body swapped in two weekends.
 
That door is staying shut for now. Once it pops open I'll never get it closed, and it will be a lot harder to waterproof and secure. It is what it is.
 
I’ve unfortunately had to deal with this in my past.

I live in CA. Salvaged title was a nonstarter for me. It’s not only crazy expensive to get OEM parts if they’re even avail, but the process to get an inspection to get a salvaged title is stupid time wasted and to top that off, getting a salvaged title car insured is yet another fool’s errand.

I ended up hiring a professional appraiser and was made pretty close to whole. My 80 was pretty cherry though which is why I expended the energy and $ to fight the megacorp insurance entity for every $.

bottom line, don’t get in an accident lol. The 80 is grossly undervalued by the machine because so few clean examples exist with that many more buyers who are looking for the few which further widens the value gap.

Drive the reimbursed value up as much as you can, take the cash and look for another one.
 
I would check the tie rods and other linkage on the front axle to see if any got bent, I assuming that the car was parked on the street and shoved into the curb
Luckily no hard curb, we have one of those sloping curbs. It would have offered no real resistance like a true 90degree curb would have.
 
I’ve unfortunately had to deal with this in my past.

I live in CA. Salvaged title was a nonstarter for me. It’s not only crazy expensive to get OEM parts if they’re even avail, but the process to get an inspection to get a salvaged title is stupid time wasted and to top that off, getting a salvaged title car insured is yet another fool’s errand.

I ended up hiring a professional appraiser and was made pretty close to whole. My 80 was pretty cherry though which is why I expended the energy and $ to fight the megacorp insurance entity for every $.

bottom line, don’t get in an accident lol. The 80 is grossly undervalued by the machine because so few clean examples exist with that many more buyers who are looking for the few which further widens the value gap.

Drive the reimbursed value up as much as you can, take the cash and look for another one.
Professional appraiser? Where can such a person be found? Id like to get my 80 appraised in case anything ever happens to it.
 
I agree with the above suggestion to get a pro appraisal. A few hours of attorney work will also be worth your while. Expect it to take months to resolve.
 
Some years ago my wifes car was hit in about the same location. It bent the firewall along with the door hinges. Unfortunately it is also the same location as the ECU and a massive wiring harness. None of the repair shops would touch it because of the wiring near the damage. Car drove fine but it was totaled. The LC has the ECU in about the same place. If you don't have a bunch of bolt on aftermarket hardware to salvage, this is one that I would sell to the insurance company, don't waste time with a buyback.
 
where in FL are you? i might be willing to buy it as it once you get done with everything. got a few bodies i could swap in there.
 
Did you have a regular insurance policy or an agreed value one?
 
Slow95-I am in the Orlando area but it doesn't look like I am likely to be keeping the car. I do not have the ability to part it out, no garage space to house it while parting out, etc. I would have to sell it whole for a decent amount more than I paid for salvage price to make it worth it. PM me what you think you'd want to pay for the whole thing including the ARB and the 4 new BFG tires I put on it in June this year :)

Zap-I don't know what you're asking. I have a regular auto policy with Progressive and offender has regular looking policy from Amica. I have not yet worked with my Insur on this since the offender's policy has accepted liability.
 
A lot of times when someone has a vehicle valued far beyond the Blue Book value, they have an "agreed price" policy with their insurer. It could be because of rarity, condition, add-ons, etc... That is, you agree on a mutually acceptable value of the vehicle and pay the appropriate insurance premium. If you had an agreed value policy, you could easily make the dollar value argument with their insurance. It will be harder if you don't, but you could always file a civil suit against them if they try to low ball you (which they will).

You see agreed value policies through Hagerty's and sometimes the major carriers like Progressive or State Farm.
 
It’s toast. I would never accept the insurance companies offer. Pull ads from dealers and ebay selling them from around the country where there is no rust. Find comparable vehicles with lockers and provide those comps to the insurance company. Explain that blue book means nothing to valuing a vehicle they can not replace for the amount they are offering. Make them find examples of vehicles equivalent to yours that you can buy for the money they offered. If they do, pick them apart. Post the adds here and ask people to rip them apart. Then use that info to degrade their comparable vehicle. Check on Mud classifieds for high value comps. When you finally settle for around $10k, go buy something and don’t leave it on the street to be molested by s***ty drivers:flipoff2::steer:
Can I like this twice? Ask how they arrive at price. Mercury uses a couple of specific websites. I went to those sites, found several examples at higher prices and got them to double their offer.

Try that, then deduct salvage, keep it, use it as personal parts rig for your next cruiser. Or if $$ not an issue, rebuild it. Make sure salvaged veh can be registered an insured in your state.
 
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Make sure to include this recent for a comparable. Knock off a couple K for the additional miles yours had of course....

Who owned this truck, Marty McFly?
 
A lot of times when someone has a vehicle valued far beyond the Blue Book value, they have an "agreed price" policy with their insurer. It could be because of rarity, condition, add-ons, etc... That is, you agree on a mutually acceptable value of the vehicle and pay the appropriate insurance premium. If you had an agreed value policy, you could easily make the dollar value argument with their insurance. It will be harder if you don't, but you could always file a civil suit against them if they try to low ball you (which they will).

You see agreed value policies through Hagerty's and sometimes the major carriers like Progressive or State Farm.

Long shot but maybe you could get something from Hagerty's with a general range of agreed vaules they have of the 80. It's a vehicle they cover but may not be willing to share the info.
 
Slow95-I am in the Orlando area but it doesn't look like I am likely to be keeping the car. I do not have the ability to part it out, no garage space to house it while parting out, etc. I would have to sell it whole for a decent amount more than I paid for salvage price to make it worth it. PM me what you think you'd want to pay for the whole thing including the ARB and the 4 new BFG tires I put on it in June this year :)

Zap-I don't know what you're asking. I have a regular auto policy with Progressive and offender has regular looking policy from Amica. I have not yet worked with my Insur on this since the offender's policy has accepted liability.
Seems like what might be in order is engaging a diminished value appraiser. I had to do this recently (wife’s late model car, not mine) to fight for a higher value/payout from another drivers insurance company - they initially only wanted to pay for the repair. Seems like it cost me ~$150, or so, for the appraisal but ended up getting me another $1700. If you search for diminished value appraiser in your market you should see options. I would arm them with data, though, that highlights values for nice examples (i.e. above the blue book, unrealistic market value).
 
Do not agree to anything. The first offer is always way low. Get some comparable prices for a replacement vehicle in similar condition and mileage . Also get a local body shop or 2 to come out and appraise the damage. This way you have a better idea where you stand. It may be worth it to lawyer up in the end.
 
Go after their insurance for a rental SUV first. You are owed a comparable daily driver since yours is inoperable. Now demand they get you a check that will replace your loss with a similar but not less truck for sale. Remember you’re on the offense and they must satisfy your loss. Show them comparable trucks for sale as others have mentioned and don’t settle for anything less than you are owed. This should not be a “loss” for you except for the particular vehicle.
 
sorry to hear..

I just went thru this with my C63.... wife was re-ended by a panel van.... the guys insurance co tried to take all the shortcuts .... used parts, non OEM stuff, limited rental car time ( they tried to give us a Chevy Sonic ) etc.... I involved my Insurance Co just to get them to agree to cover OEM parts, realistic rental, use my shop etc..... Geico was excellent at assisting .... and copying my lawyer friend on everything seemed to be helpful.....

the second thing you'll want to do is to get a diminished value specialist to do a value analysis and build the case for your loss even if you were to return it back to pre-accident condition.... my body shop and local dealer provided a few names - cost roughly 500 and took a week. I sent that along with a demand letter to his insurance co( again copying my friend, the lawyer) about 2 months after the repairs were done ( waited a while to make sure nothing popped up for additional issues ) and after a month they countered at 90% of the demanded amount.... the check just arrived yesterday. net- they owe you for the repairs, but also for the reduction in value you could sell the vehicle for with the tainted title..... given that it's a locked rig it'll be higher - there's going to be a wide range of comps but that can play to your favor, they won't know the nuances of a locked 300k rig with a replaced HG being a 12-15k rig. I had to help the appaiser frame up the case for the C63 being a collector car( it's one of 7 507 sedans in Magno built) and pull the data on number built etc, color and options etc... but it was time well spent.

good luck !
 

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