I was hit by another driver while waiting for a light to turn green. The police report states that the other driver is at fault, and I’m currently in contact with their insurance (USAA).
What options do I have? I’ve heard that some cars are being totaled due to parts costs. I’m concerned about repairing it and then having a negative impact on my CARFAX.
What would you do in this situation?
I don’t see a chance they’ll total the truck based on what I see. If there’s a police report, it will show up on Carfax, even if you don’t use their insurance to fix it. Use their insurance to get it repaired and just deal with it.
@Nori
Get three estimates, pick the highest, and take the payout. Then, grab a nice aftermarket bumper and winch to upgrade.
Devin said:
@Nori
Get three estimates, pick the highest, and take the payout. Then, grab a nice aftermarket bumper and winch to upgrade.
That damage to the fender will need a replacement with a wide body kit.
Devin said:
@Nori
Get three estimates, pick the highest, and take the payout. Then, grab a nice aftermarket bumper and winch to upgrade.
Unless there’s deeper damage we can’t see, it might not be as easy as just bolting on a replacement.
@Mal
Even with frame damage, trucks often get repaired nowadays. A full frame swap is a real possibility.
Devin said:
@Nori
Get three estimates, pick the highest, and take the payout. Then, grab a nice aftermarket bumper and winch to upgrade.
This is a solid idea. Let’s be honest, the stock bumpers on the Raptor are pretty weak, so this is a good chance to upgrade.
@Nori
I agree… keep pictures to show future buyers. The damage doesn’t seem too bad, so I wouldn’t hesitate to buy it based on those pictures. However, I’d expect it to be cheaper than a clean Carfax equivalent, so make sure you’re compensated fairly for the loss… if that’s possible.
@Nori
Yeah, I’d use their insurance to cover it. If it’s not financed, you can take a payout check based on the highest estimate. Don’t forget to file a depreciation claim for some extra cash.
This won’t be totaled unless there’s frame damage. Make sure to file a diminished value claim in addition to the repair payout. Check out Collision Safety Consultants on Facebook; they’ll help you get the most from your claim for a small fee.
Joss said:
@Mal
Even with frame damage, trucks often get repaired nowadays. A full frame swap is a real possibility.
[deleted]
Joss said:
@Mal
Even with frame damage, trucks often get repaired nowadays. A full frame swap is a real possibility.
[deleted]
You won’t win that argument with an insurance company without taking them to court.
Joss said:
@Mal
Even with frame damage, trucks often get repaired nowadays. A full frame swap is a real possibility.
[deleted]
That’s not how it typically works.
Joss said:
@Mal
Even with frame damage, trucks often get repaired nowadays. A full frame swap is a real possibility.
[deleted]
Yeah, that’s not realistic, even if we wish it were.
Sorry, man. That sucks. The police report means the Carfax hit is a done deal. I seriously doubt they’ll total it over that damage. Here’s what I’d do: work with USAA for the repairs and diminished value compensation. Be insistent, and you should be okay. Ask the body shop to take detailed pictures during repairs to share with future buyers. This damage isn’t severe. If you were thinking about an aftermarket bumper, this is a great time to do it. You can probably arrange to only pay the difference between the OEM and the upgrades.
It’s only worth about $10k now. I’ll give you $15k just because I feel bad for you.
Noor said:
It’s only worth about $10k now. I’ll give you $15k just because I feel bad for you.
$15,002.79, final offer.
Noor said:
It’s only worth about $10k now. I’ll give you $15k just because I feel bad for you.
$15,002.79, final offer.
$15,003 and a box of chicken nuggets.
@Niko
I can’t beat chicken nuggets. I can only offer a Shack Shake Burger and Twinkies.
