Rear ended

Wannabebad · November 27, 2014

Wannabebad · November 27, 2014

Coue more shots. Got a couple of the bed floor but it's hard to see the curve in the dark. Her ins co called me today which is encouraging at least it's one step along the way.

thewhitestallion · November 27, 2014

make sure they pay you diminished value on your truck.

bass mechanic · November 28, 2014

I do have Progressive and they have it where even after the adjuster quotes you, if anything else is found to be damaged that's not in the quote then Progressive will still take care of it. I don't think you have anything to worry about other than frame damage or maybe them totalling your truck. But, you won't have to worry about them missing something, the shop will see if anything else is damaged and Progressive will take care of it. I don't really think the frame itself got damaged, just the sheetmetal since the beds are so thin now, but then again you never know.

Progressive is nothing special, all insurance companies do that. It's called a supplemental.

Every insurance companies obligation is to make you whole again.

90% of the time additional damage is found that can't be initially seen.

My biggest gripe with progressive, Geico and esurance is that they have no problem selling people state minimum coverage. Consumers by and large don't understand what that coverage actually means or how screwed they become after they've injured someone and get sued. Or get injured by someone else with little or no coverage and blame the insurance company for not paying claims.

Having a local agent that you personally know, like and trust makes all the difference.

I always tell my clients "the coverage is only as good as the person who wrote the policy"

So when online companies allow you to quote, buy, and print without talking to a licensed insurance professional. There is a good chance you'll wind up getting screwed and you really have no one to blame but yourself. Sometimes you get exactly what you paid for.

If you get sued for $750,000 for injuries or a wrongful death and your policy only covers 25,000 of coverage, who cares what you paid for it? You might as well have not bought any insurance at all. What you did was save 15% or more on your insurance, got a cheap policy with a $725,000 deductible to pay.

Verses spending a few bucks more per month, having enough coverage to take care of a worse case scenario and the piece of mind that you won't have a lien against your home, a garnishment of your wages as a result of not having enough coverage.

Buying insurance this way is dollar wise and penny foolish! It's like stepping over dollars to pick up dimes. In the end you really didn't save anything and you allow the insurance company the chance to pay almost nothing and leaving yourself with the financial mess to clean up after.

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SouthernSilveradoGuy85 · November 28, 2014

Progressive is nothing special, all insurance companies do that. It's called a supplemental.

Every insurance companies obligation is to make you whole again.

90% of the time additional damage is found that can't be initially seen.

My biggest gripe with progressive, Geico and esurance is that they have no problem selling people state minimum coverage. Consumers by and large don't understand what that coverage actually means or how screwed they become after they've injured someone and get sued. Or get injured by someone else with little or no coverage and blame the insurance company for not paying claims.

Having a local agent that you personally know, like and trust makes all the difference.

I always tell my clients "the coverage is only as good as the person who wrote the policy"

So when online companies allow you to quote, buy, and print without talking to a licensed insurance professional. There is a good chance you'll wind up getting screwed and you really have no one to blame but yourself. Sometimes you get exactly what you paid for.

If you get sued for $750,000 for injuries or a wrongful death and your policy only covers 25,000 of coverage, who cares what you paid for it? You might as well have not bought any insurance at all. What you did was save 15% or more on your insurance, got a cheap policy with a $725,000 deductible to pay.

Verses spending a few bucks more per month, having enough coverage to take care of a worse case scenario and the piece of mind that you won't have a lien against your home, a garnishment of your wages as a result of not having enough coverage.

Buying insurance this way is dollar wise and penny foolish! It's like stepping over dollars to pick up dimes. In the end you really didn't save anything and you allow the insurance company the chance to pay almost nothing and leaving yourself with the financial mess to clean up after.

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I'll also add that the adjuster said they also cover aftermarket which I don't know if other companies do. I know Progressive is just another big insurance company, but they have taken good care of me and they've never screwed me. Luckily I haven't had to deal with them about a big wreck or where anybody was hurt. I like that if the vehicle is drivable I can just drive to him at a body shop only 20 minutes away which is usually done sooner than if he has to come to you. I like that option. I only mentioned Progressive since he said that's what the other driver had and it sounded like he could be worried about the damage and I happen to have Progressive.

bass mechanic · November 28, 2014

I'll also add that the adjuster said they also cover aftermarket which I don't know if other companies do. I know Progressive is just another big insurance company, but they have taken good care of me and they've never screwed me. Luckily I haven't had to deal with them about a big wreck or where anybody was hurt. I like that if the vehicle is drivable I can just drive to him at a body shop only 20 minutes away which is usually done sooner than if he has to come to you. I like that option. I only mentioned Progressive since he said that's what the other driver had and it sounded like he could be worried about the damage and I happen to have Progressive.

Any company does that, again it's their obligation to make you whole! But keep in mind that also means depreciation will be considered.

We provide an endorsement that allows us to not only replace your car but with one a year newer than the one you had.

And we have to use oem parts.

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calgator73 · November 28, 2014

I did some digging on frame repair options for the new trucks. The only factory parts i could find were for the front half. Best of luck!

Wannabebad · November 28, 2014

My concern is not about progressive as a company. But we're rural Eastern Ky and there are no local adjusters. Essentially if she had the most prominent insurer in this area KY Farm Bureau my truck would be at a body shop... It just slowed the process a bit. Of course I could file the claim w my insurance and get on with getting it fixed. It's just a bet I'm not willing to take considering (despite what some of the staff states) my ins would likely go up.

I want the truck fixed so long as it can be back to 100%... The frame situation scares me and when the bed is pulled I just wonder what all is tweaked under there.

bass mechanic · November 28, 2014

My concern is not about progressive as a company. But we're rural Eastern Ky and there are no local adjusters. Essentially if she had the most prominent insurer in this area KY Farm Bureau my truck would be at a body shop... It just slowed the process a bit. Of course I could file the claim w my insurance and get on with getting it fixed. It's just a bet I'm not willing to take considering (despite what some of the staff states) my ins would likely go up.

I want the truck fixed so long as it can be back to 100%... The frame situation scares me and when the bed is pulled I just wonder what all is tweaked under there.

Your rate will not go up if you file under your company as you were not at fault. Rates go up when you file a claim if it's your fault because you've demonstrated your a higher risk than someone with no claims.

Your company will subrogate with theirs.

Best advise I can give you is to use the body shop the ins company paying the claim recommends. This way if it isn't done right they have an obligation to get it fixed. If you pick the shop, it's your problem to solve.

If you need any advice or help with this just send me a pm

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The Zip · November 29, 2014

wannabebad - bass mechanic is talking good stuff, especially his last piece of advice "use the body shop the ins company paying the claim recommends. This way if it isn't done right they have an obligation to get it fixed. If you pick the shop, it's your problem to solve". This comment is on point. As for Progressive, I had a truck damaged by a Progressive insuree and the repair work was insured as long as I owned the vehicle. BTW, PM bass mechanic, sounds like a pretty tight insurance advisor.

02suburbanZ71 · November 29, 2014

Did they say if you have frame damage? I've pulled a few frames and it looks like you may have some damage. Just be glad the bed didn't hit the cab.

02suburbanZ71 · November 29, 2014

Yeah you'll obviously need new bumper and bumper brackets i think the bending of the frame damaged the quarters for the bed because of the way it looks up against the cab. That cant really be repaired if it bent the quarter. Yeah they'll pull the bed and pull the frame and they might just need to replace the entire bed. I work at a body shop and i honestly have to do some thinking on this. There is deff some frame issues

bass mechanic · November 29, 2014

wannabebad - bass mechanic is talking good stuff, especially his last piece of advice "use the body shop the ins company paying the claim recommends. This way if it isn't done right they have an obligation to get it fixed. If you pick the shop, it's your problem to solve". This comment is on point. As for Progressive, I had a truck damaged by a Progressive insuree and the repair work was insured as long as I owned the vehicle. BTW, PM bass mechanic, sounds like a pretty tight insurance advisor.

Thanks for the kind words.

I've been doing this almost 12 years. I've seen s few accidents and many claims.

It never ceases to amaze me how many "experts" there are on public forums. I like to get the good advise out in these threads before someone with no experience with claims or first hand knowledge starts going on and on giving all the wrong advise.

I do take a lot of pride in helping folks with protecting what they value most.

When you think about it pretty much everything you value in life is protected with auto, home and life insurance.

Having someone in your corner who understands it and can advise coverage is a big responsibility and I take it very seriously.

It also helps when you have the lowest rates and the best coverage!

Additionally we refund 25% of your money back every year you stay claim free! My refund last year was $1356.00 and that's more than I paid for my home insurance for the year! So when people say we have the best deal going that's an understatement!

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SouthernSilveradoGuy85 · November 29, 2014

Thanks for the kind words.

I've been doing this almost 12 years. I've seen s few accidents and many claims.

It never ceases to amaze me how many "experts" there are on public forums. I like to get the good advise out in these threads before someone with no experience with claims or first hand knowledge starts going on and on giving all the wrong advise.

I do take a lot of pride in helping folks with protecting what they value most.

When you think about it pretty much everything you value in life is protected with auto, home and life insurance.

Having someone in your corner who understands it and can advise coverage is a big responsibility and I take it very seriously.

It also helps when you have the lowest rates and the best coverage!

Additionally we refund 25% of your money back every year you stay claim free! My refund last year was $1356.00 and that's more than I paid for my home insurance for the year! So when people say we have the best deal going that's an understatement!

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I don't think I'm an "expert", but I can give advice from actual experience I've had from the POV of someone that has had work done at a body shop. You're assuming I haven't had to deal with body shops or insurance companies. As for saying to just use the shop the insurance company advises. If you don't know any others or haven't had any experience with others then ya go with theirs. But, I've always used the same body shop and never had issues. My point is that you don't HAVE to use the one they recommend and if you don't it doesn't mean you might have a bad experience. I've talked to the owner before and he always uses new parts instead of just what insurance companies claim and insurance quality. He also said that they don't want a customer leaving unsatisfied so if there is any problem to let them know. Hell I've even had them replace the OEM part with an aftermarket part and they didn't have a problem doing that. I guess you're going to say all body shops are obligated to do this, but I know the difference between a reputative shop and just some small body shop.

I haven't argued with you about anything you've said or said something you've said wasn't right, I've just given info from my POV with actual experience instead of the insurance side. And I've had more than one experience with all of this stuff, so not just 1 or 2 occasions. So I don't get why you said I think I'm an expert when I don't and I don't act like I am.

bass mechanic · November 29, 2014

I don't think I'm an "expert", but I can give advice from actual experience I've had from the POV of someone that has had work done at a body shop. You're assuming I haven't had to deal with body shops or insurance companies. As for saying to just use the shop the insurance company advises. If you don't know any others or haven't had any experience with others then ya go with theirs. But, I've always used the same body shop and never had issues. My point is that you don't HAVE to use the one they recommend and if you don't it doesn't mean you might have a bad experience. I've talked to the owner before and he always uses new parts instead of just what insurance companies claim and insurance quality. He also said that they don't want a customer leaving unsatisfied so if there is any problem to let them know. Hell I've even had them replace the OEM part with an aftermarket part and they didn't have a problem doing that. I guess you're going to say all body shops are obligated to do this, but I know the difference between a reputative shop and just some small body shop.

I haven't argued with you about anything you've said or said something you've said wasn't right, I've just given info from my POV with actual experience instead of the insurance side. So I don't get why you said I think I'm an expert when I don't and I don't act like I am.

My post wasn't directed at you or anyone else.

My comment about experts is there seems to be one in about every thread. I had not seen any of those types here. Re read my post. I was simply stating I'm glad to be here to help anyone who needs it.

As for the body shop and the use of oem parts it doesn't make any difference what they used in the past.

The fact is unless you have an endorsement on your policy that specifically states they will cover the cost of a NEW OEM part, they are only going to pay for the lest expensive option. Their obligations to make you whole again. Bring your vehicle back to a pre accident condition.

If they opt to buy a used door from a junk yard as a replacement from the same year vehicle, you are in fact being made whole because they replaced your used oe part with another used oe part.

If they can buy a capa reproduction part that is also an option as long as the replacement and finished product looks and functions as good as OE.

If your body shop wants to sell you new OEM parts at a loss of profit that is on them. I can see this being the case if the 3 options mentioned above are similar in cost. But I assure you that if several parts are needed and the ins company only agreed to pay for reproduction or used. That's what you'll get! No body shop is going to erode their profit and labor cost by that much.

But I can see a body shop telling you they used the parts you asked for to make you happy! Most reproduction parts look and function as good as OE anyway. Once installed and painted you'll never know the difference anyway!

Personally if I had a choice I would opt for a used part. This way I get an original oe part and I know there weren't any corners cut on the labor to try to save costs the body shop won't get paid for.

If you want to use your shop there is nothing wrong with that. But if there is a problem you have to deal directly with them. The insurance will have already paid the claim for the price agreed to so your out of luck getting help from the insurance company.

The difference is that if the body shop drips the ball on your repair, they have pissed off and lost 1 customer. If they are a direct repair facility with the insurance company and piss them off they stand to loose 25% of their income!

Big difference!

Bottom line is who cares who does the work? Your not paying for it anyway! If I was to file a claim and got 3 estimates I would pick the most expensive of the 3!

Odds are greater they estimated the most hours of labor, take their time and do the job right.

You still have to pay the same deductible anyway!

You can do what you want, I don't need to be right or wrong in anyone's eyes. I'm simply offing good advice.

You can take or leave it.

But my advice guarantees a good outcome no matter the situation. You're advice could still steer you wrong and the insurance company isn't going to do a damn thing to help you if it doesn't work out.

Something else to consider if any body shop is worth a damn they will be a direct repair facility for every major company. If your shop isn't, there is a reason and I would run!

Last time I had this discussion with a client, they had damage to the right rear 1/4 panel. Welding was needed inside the wheel well of a Jeep Wrangler. Days after the repair the right rear wheel came off on the highway causing another accident. Client took the body shop to court but couldn't prove it was their fault because the body shop never documented or charged labor for R&R of that tire!

Now that client has 2 at fault accidents on his driving record. Had he gone to an approved body shop and the same thing happened, the insurance company would have sued the body shop and likely stopped using them.

The 2nd accident may have been forgiven.

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