2015 Silverado Accident

[cpttimerestraint]

Just an Update:

 

The insurance adjuster only came up with a $19k estimate. The claims examiner is heavily pressuring me into taking the check for $19k without giving my body shop time to look at it. So the truck is at the body shop getting torn apart. It's really annoying, just a quick pass over of the truck with the body shop turned up at least a dozen things the adjuster missed and that was without taking anything apart. I'm in New York so I'll look into contacting the Department of Insurance. I'm also drafting a letter for diminished value.

Here is an article about New York auto settlements.

http://www.dfs.ny.gov/insurance/ogco2001/rg110092.htm

 

Page 6 is the start of the rules addressing settlements.

http://www.dfs.ny.gov/insurance/acrobat/reg64.pdf

[poling45]

 

Fight for what you deserve which is a complete replacement imo with that amount of damage and do not listen to the people on here telling you it wont happen and fixing it is fine, the value of your truck regardless of how well it is fixed is compromised and will never be as good as a truck that was not in a severe accident like yours has now been in.

 

Put it this way if you were in the market to buy a truck and you ran the car fax on your truck and seen it was nearly completely rebuilt, would you pass it over and look at the other 13283764276377 gm trucks on the market or would you pay full price for your repaired one? Don't take anything from the insurance company until you are 100% satisfied!

 

I'm trying to get them to total, but getting nothing but push back from the examiner to take the $19k "settlement". She even told me that I was procrastinating. Not really sure what to do at this point, I really don't want a 4 month old totaled truck back. Anyone think I would have a better chance going through my insurance and having them fight it for me?

 

On a side note when walking around my truck at the body I noticed that the passenger side front was tilted inwards at the top, not sure if that's from the frame being bent or the suspension. Also noticed what I think was the transmission cooler bent into crank shaft pulley, not sure if that caused any damage.

[poling45]

Does anyone know if I have the right to refuse to have them repair and blend the passenger door a-pillar and make them replace them with new ones?

[Dixon700]

Id talk to some lawyers in your area so you can be fully aware of your rights.

[BernieZ71]

I hope you and your dog are ok, for the truck I hope is fixable.

[awright2009]

You can probably get a free consultation from a lawyer, they might be able to get you more, but they will want a piece of the pie

 

Edit: now is probably the time to say your neck is starting to ache

[poling45]

You can probably get a free consultation from a lawyer, they might be able to get you more, but they will want a piece of the pie

 

Edit: now is probably the time to say your neck is starting to ache

 

I'm not really the lawyer type but after the pushiness of the claims examiner I did contact a family friend that's a lawyer and he told me not to accept anything less than a total loss. I've sent a strongly worded letter explaining my position and hope I don't have to pursue any further conversations with lawyers.

 

Stop by to look at my truck again today, it still hasn't been taken apart I've attached a picture of the negative camber on the front tire now, not sure if its from the bent frame or if the suspension is bent. The red F-250 is the rental they gave me, I'm not very happy about driving it.

[emendoza130]

any updates on the truck? This is mine not sure if totaled.

[poling45]

The body shop finished the tear down on Friday and came up with another $4k worth of damage and they said that there is still more the haven't uncovered yet. The adjuster still has to come out and look at it again. The body shop informed me that if they do continue with the repairs I'll be without my truck for another 5-7 weeks between waiting for the frame and the repairs. Not very happy about being out my truck for 8-10 weeks considering I only owned it for 16 weeks before the accident. I've also sent the insurance company a letter for diminished value. Hopefully between diminished value and the cost of repairs they will deem it a total loss. I'll give another update in a day or 2, hopefully it will be resolved by then.

[Dixon700]

Wow can't believe you have to work so hard to get results from the insurance... It was a 4 month old truck you deserve a 4 month old truck. Not a totaled 6 month old truck.

[poling45]

Apparently the adjuster has been sick all week, so he still hasn't went back out to look at my truck. The body shop was told by insurance company that someone will will definitely be out to look at it on Monday. The body shop also came up with a lot more damage since the first supplement they submitted. They are not sure if anything is wrong mechanically, OnStar shut my truck truck at the accident and it hasn't been started since. Hopefully Monday I'll know if it's getting totaled.

[emendoza130]

My truck was totaled at 26k

[jbradyr]

Any update on this?

[silveradotech]

In for the update!

[poling45]

Update

 

It took the adjuster 8 days to come and look at it for the supplement, New York law said he had to be there within 4 days. Long story short they refuse to total my truck, its's now up to $25k in repairs. The insurance company is also saying that my truck doesn't have any diminish value but if it need have diminished value i would have to prove it. I asked how they want me to prove it and that won't say, so I'm going to have to get a lawyer. I'm also going to file a complaint with New York States Department of Financial Services. I'm pretty sure insurance people are some of the worst people alive after dealing with them for the last month.