Is it totaled?

[kaclark]

More awesome news.. The other drivers insurance policy isn't enough to cover it. They won't even pay for a rental until they get the estimated cost of everything (including the pole). I'm considering a lawyer...

 

[jlee]

More awesome news.. The other drivers insurance policy isn't enough to cover it. They won't even pay for a rental until they get the estimated cost of everything (including the pole). I'm considering a lawyer...

And that's why I have uninsured/underinsured coverage. Do you have it?

 

[Ferzerp]

Don't bother with a lawyer. Subrogation with your insurance carrier is the name of the game. Let them deal with the legal issues. That's part of what you pay them for.

 

[Zenmervolt]

Don't bother with a lawyer. Subrogation with your insurance carrier is the name of the game. Let them deal with the legal issues. That's part of what you pay them for.

Only if you have that coverage chosen.

Granted, it's almost certain that on a new vehicle OP will have full coverage as a condition of his/her financing but you'd be shocked by the number of people who have only minimum coverage and end up screwed in these situations.

Still, I agree. If OP has insurance that will cover this, he/she should go through them and then allow the insurance company to subrogate. This will involve paying the deductible up front, but it will make everything smoother in the long run.

ZV

 

[cabri]

More awesome news.. The other drivers insurance policy isn't enough to cover it. They won't even pay for a rental until they get the estimated cost of everything (including the pole). I'm considering a lawyer...

And that's why I have uninsured/underinsured coverage. Do you have it?

Your insurance company will be responsible for covering your loss based on your policy. The deductible may be also covered, based on the fault issue.

Additional items are what his insurance is for; non direct property damages that you are covered for.
It is up to your insurance company to get their $$ back from the other one.

He has limits on his policy; if those limits are to low, that is where the legal action starts as well as you having the uninsured/under-insured coverage the jlee mentions.

Find out from your insurance policy where you stand first.

 

[kaclark]

Our insurance is covering the truck under collision. I don't understand what the difference in doing that and having uninsured/underinsured coverage. I think maybe it varies by state. But either way, the truck will be covered. The problem is getting a rental. They have USAA. I called today and the adjuster said that the maximum that their policy covers is less than the truck is worth. Considering there was damage to the pole too, they have to wait until they get estimates on everything before they will pay for anything. What I don't understand is how a rental car is included in that. I was under the impression that a rental car was completely separate and they are supposed to provide you with one once fault is decided.

 

[Jimzz]

Our insurance is covering the truck under collision. I don't understand what the difference in doing that and having uninsured/underinsured coverage. I think maybe it varies by state. But either way, the truck will be covered. The problem is getting a rental. They have USAA. I called today and the adjuster said that the maximum that their policy covers is less than the truck is worth. Considering there was damage to the pole too, they have to wait until they get estimates on everything before they will pay for anything. What I don't understand is how a rental car is included in that. I was under the impression that a rental car was completely separate and they are supposed to provide you with one once fault is decided.

There is 2 totals most common on insurance. 1 is the property: that's the car, pole, etc... The other is medical coverage: this is if you physically get hurt. The problem is the property damage will be higher than the limit of the policy so they do not want to pay anything till all bills come in. If this was a simple fender bender then they give a rental right away as they know its not anywhere near the limit.

In this case your insurance company will cover what the policy has but you may need to sue the other party for the deductible. Wait to see what your insurance company and theirs comes up with.

 

[Herr Kutz]

Well at least the accident improved the front end appearance of the truck.

 

[Occ]

The problem is getting a rental. They have USAA. I called today and the adjuster said that the maximum that their policy covers is less than the truck is worth. Considering there was damage to the pole too, they have to wait until they get estimates on everything before they will pay for anything. What I don't understand is how a rental car is included in that. I was under the impression that a rental car was completely separate and they are supposed to provide you with one once fault is decided.

Do you not have your own rental coverage insurance? Your insurance company should be able to hook you up with a rental vehicle immediately and then deal with getting it covered from the at fault party's insurance.

 

[evident]

it will buff right out

 

[Jimzz]

Do you not have your own rental coverage insurance? Your insurance company should be able to hook you up with a rental vehicle immediately and then deal with getting it covered from the at fault party's insurance.

I think for most insurance policy's that is a extra cost most do not get. I did not add it as the chances are low compared to how much it cost.

 

[cbrsurfr]

This thread made me review my coverage. I pay $2.71 extra per month for up to $900 worth of rental reimbursement and 100,000/300,000 coverage for uninsured and underinsured. Well worth it IMO.

 

[bruceb]

Definitely totaled. I would not want that fixed after that much front end damage. If you can't get full value from your insurance, you may need to sue the other driver (if you can prove his actions caused or contributed to the crash) And if your insurance won't replace your new truck (4 days old probably had under 500 miles on it), then I would get another company in the future. A lot of them now provide new car replacement value for a slight additional fee. It usually covers the first and sometimes second year from when vehicle was bought. It seems to be a good deal, as opposed to eating the Deductible and then also the cost difference between reimbursement and vehicle replacement.

 

[SKORPI0]

This was high speed. Possibly slower than 50 mph from breaking. It was also drizzling outside. This is the car we hit

Pic rotated. :\ That should buff out. ^_^

 

[dtgoodwin]

My dad was rear-ended (his vehicle was also less than 30 days old) by a crazy woman who got out and was ready to fight over him stopping "in the middle of the road" - it was a crosswalk in front of a school where there was a student crossing. She was uninsured. Because the police report showed absolute fault on her part, my dad's insurance covered it under his policy, then went after her. He did have to pay his deductible in this case, but after they recovered from her they returned his deductible and removed the accident as a claim on his policy. This was State Farm in Utah.

Good luck on getting it resolved soon. I hope your adjuster is reasonable and given that the truck is basically brand new, you should get full replacement value. Did the accident report find fault in the other driver?

 

[bruceb]

So much for that VW ... definitely a total loss for that owner.

 

[Harrod]

Pic rotated. :\ That should buff out. ^_^

I love some of the ebay listings I come across, like oh, a BRZ for 13000, then you see the other side of the car in the listing and it looks something like this.

 

[cabri]

I love some of the ebay listings I come across, like oh, a BRZ for 13000, then you see the other side of the car in the listing and it looks something like this.

Jut like any relationship; always present the best side first.:hmm:

 

[squirrel dog]

who was at fault ?

 

[tailes151]

Regarding a rental vehicle, things to keep in mind:

Rental car coverage/liability varies greatly by state. You'll want to seek out your specific state's laws. Some states don't require rental vehicles at all, some only while the vehicle is actively being repaired (if not totaled), some require like size/condition, some only require a mode of transportation.

Also, not all auto insurance policies provide rental coverage. This does not mean that you aren't owed a rental vehicle, just that the insurance policy has no obligation to pay it to you. You can get upset with the insurance adjuster all you want, but if there is no rental coverage on the policy (and you're in a state where it's not required by law) you won't be getting a rental through the insurance co. In this situation, you would have to recoup from the other party directly. Good chance you won't have a lot of luck with this, but it is what it is.

 

[Charmonium]

who was at fault ?

Yes. We want an update. You can't start a story like this and not finish it. It's . . . just mean.

 

[squirrel dog]

If you had hit that car on the drivers side, you could have killed the driver . I did a lot of accident investions as part of my job . You teeboned the other car under a green light ? unless the other driver had ran a red light to him , I don't see how ? I have dash cams , this is why .

 

[merlion]

If you had hit that car on the drivers side, you could have killed the driver . I did a lot of accident investions as part of my job . You teeboned the other car under a green light ? unless the other driver had ran a red light to him , I don't see how ? I have dash cams , this is why .

They both had the green light, with the other car needing to yield before turning left. The car got t-boned because he didn't wait until it was clear to turn. The same thing happened to me years ago when a teen driver misjudged being able to make the turn safely. Luckily he got further through the intersection, so I just clipped his rear end. The kid got the ticket for failure to yield.

 

[LTC8K6]

If you had hit that car on the drivers side, you could have killed the driver . I did a lot of accident investions as part of my job . You teeboned the other car under a green light ? unless the other driver had ran a red light to him , I don't see how ? I have dash cams , this is why .

How can you not see how?

It's a very common accident.

Both drivers have a green light. Driver A turns in front of driver B and gets T-boned. Driver A failed to yield the right of way to driver B.

 

[kaclark]

Sorry for not updating! Thanks for everyone's input and advice! That totaled his truck with the estimate at 32k to fix it. They gave him what his paid for the truck plus taxes. The other insurance assigned a new agent to the case and he said the other guy wasnt giving accurate information. Now we are just waiting for the check to get a new truck and talking to an attorney about recouping out of pocket costs/ lost wages/ pain and suffering.