2014 SCREW loaded, totaled today, WWYD

[SZDZMTR]

Thanks for the concern guys. A bit more info and updates.

I did notice that the discussion with several of the professionals involved (cop, fireman, medics, insurance appraiser, bodyshop) was very similar, along these lines:
1. What happened?
2. Wow, that's some damage...
3. Well the truck did what is was engineered to do in accident. It crumpled in the rear and protected the passengers. The cab was nearly intact except for one place where the bed corner was twisted and pushed up against it. Similarly the woman's BMW X3 front folded up like an accordion absorbing the blow. She was able to walk away.

I went to the ER right from the accident and they did x-rays and did not find any breaks. They said there would be pain from the accident that would increase once the adrenaline wore off, and prescribed some meds. I've been only taking the milder meds so I'm not too wacked out. I made an appointment with a GP to have another examination as the pain is continuing.

I did consult a personal injury attorney who was recommended to me, and he advised that in NJ where I live, that personal injury from accidents must be at a pretty high level in order to sue. Apparently there are only several allowed types of personal injuries from accidents to sue, things like: blindness, loss of limb, miscarriage, etc. If the Dr. visits shows anything more severe, I will be back to him, but his view was I don't have any ability to sue. I'm not happy with that answer but not sure if I can do anything.

On the appraisal, the insurance co used CCC and he told me they had a + $6k adjustment for low miles and good condition built into the estimate. Their appraisal seems generally fair to me and based on responses it seems fair as well. I am a bit concerned about the lack of credit for any aftermarket items however. I do have receipts and already provided them to the appraiser. I plan to go back to my insurance co on this point and see if they have any suggestions for how to recoup that. If not, then I may just try to pull everything off.

Sorry for what happened but everyone is good and that's the main thing. Looking at the insurance claim I am glad that I carry extra coverage for $19000 extra in aftermarket equipment. Costing me $120 year extra. I am going to up it by December another 3k...or what ever the receipts will total up to. This case just proofs to me God forbids I have a total loss I will will get 100% of my mods money back.

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[Crash33]

$53k is their first offer. Bring them your receipts and they'll probably settle quickly. Go to a specialist and have you back checked out... MRI is what you need, not an x-ray. soft tissue injuries don't show on an x-ray, only fractures and even those can be missed. you have to live with whatever injuries you have for the rest of your life and they only hurt more with age.

 

[Snowsled]

Are you sure you have to sue? My sons accident was in Colorado and I realize the laws are probably different but, I did not have to sue. When the doctors bills were submitted I was offered the cash settlement from which I had to pay the ~$1600 hospital bill. If I recall correctly that was 4x the doctor bill, plus the doctor bill itself. They gave us $8000 without any suit or even any argument. They also gave him $4000 for a truck I bought for $2200 less than a year earlier.

Good Luck, I hope your back feels better. I think $50k for a 4 year old truck that probably listed for $55k is pretty dang fair. Extras are always difficult to recover.

 

[Yukon Joe]

So my insurance co (let's say their spokesmodel is named Flo) apparently has a reputation as not a great claim payer, and the other driver has a commercial policy with supposedly high limits and the company apparently has a better claim paying reputation (let's say they have a red umbrella as their logo). So I went thru them since its 100% accepted as her fault. That red umbrella company is saying that given the accessories are used and now 4 years old, there just isn't much value to them. I have probably about $4k or so in BD lights and install and related that I put in at the time of purchase in 2014. The insurance co told me I could pull them off for all they care. I think they would still work. I'd also pull out my ham radio, hardwired radar detector and dashcam as there is no reason to leave those in a salvage car. I can check my company and see what they will say.

First of, I'm glad that you seem to be ok. Some folks here have some great advice regarding the MRI.

As for the trucks with, I'd take $53k any day for my 2014 SE with 33k miles, but it is a SCAB. Still, that's a great deal for a SCREW. A dealer wouldn't buy/ trade for anything near that on the east coast. Trust me, I've been looking. You would be able to take that money and buy a really nice comparable truck. There are quite a few listed on FRF alone.

Certainly, if they are sending it for scrap, take everything out / off of it. Spare tire, jack, owners manual, bed extender, skids, floor mats etc...

I hope your back pain doesn't last long or turn into anything serious.

Yukon Joe

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[vitaminR]

Certainly, if they are sending it for scrap, take everything out / off of it. Spare tire, jack, owners manual, bed extender, skids, floor mats etc...

THIS - anything you can sell on eBay later

 

[Snowsled]

I would love a working third brake light.... $300 new is crazy.

Of course most people aren't going to take a lot of time to part out their damaged vehicle.

 

[Canuck714]

Have you inquired about the buy back?
They write it off, stroke you a check and sell it back to you at a fraction.
Send it to a reputable builder and back half the truck... Go Linked long travel out back and run the desert...

 

[FastEddie]

Thanks guys. Skyfrog and Canuck, I like your style. Gave me some LOLZ which I am sorely in need of.

Still waiting to hear if any mod money is coming back.

On the health front, I started physical therapy recovery and it helps.