How Much Money Will Insurance Pay For Totaled 2001 Tundra Sr5 4 Wd Truck

01-11-2017, 12:08 PM

Final Friday a driver lost control of his vehicle trying to modify lanes on the freeway and ran into the front fender/wheel and tire of my 4runner which caused me to get pinched betwixt his Tundra and the cement bulwark of the freeway. The damage was concentrated to my fenders, rider door, snapped the coil-over (likewise need new knuckles/LCA/UCA) and I had to limp information technology off the freeway. Somehow the front bumper, hood, engine and all engine components made it out unscathed and no leaks. And as of yesterday it sounds like there is NO structural damage. Luckily, anybody was ok and the driver had insurance and I had a witness to back up what happened.

Fast frontwards to this week and his insurance company, Progressive, called me and said information technology's going to be a total loss. Honestly I was bracing myself for this thinking they were going to try to lowball me on the value and overshoot the repair pecker to effort and total it out. Turns out I was right...however I'm absolutely surprised at the figures. My 2005 4runner Sport 4x4 has 190k on the clock and all of the upgrades mentioned in my signature line beneath. Information technology has been the best and most reliable car I've ever endemic and it probably had some other 100k left in it as I took exceptional care of it.

Progressive is offer $vii,200 and they are claiming over $8,500 in repair cost. The adjuster provided vii local comps. None of them have 4WD or the benefits of having 4WD (rear locking unequal, downhill assist control, etc.). And none of them are the Sport Edition...just basic SR5. Mileage is similar on all comps but he simply gave a total of $585 for the aftermarket work - $130 for the wheels, $405 for the lift kit and $50 for total tint. No value was assigned for the 275/70/18 Nitto Terra Grapplers which were most brand new (though he sure congenital the full retail price of two tires into his repair gauge). No value was assigned for the aftermarket alarm or remote start.

I have done my own inquiry and quickly found 5 comps on Autotrader between 14k-17k list price with 4WD and Sport. I also have receipts for all aftermarket piece of work and maintenance receipts to prove I kept the 4runner in incredible operating condition.

Can y'all suggest anything else I tin can provide the insurance adjuster or anything else I tin argue to go them to provide a college value? I don't believe $7,200 is what my 4runner is worth nor is it enough to supervene upon my 4runner with something comparable. Am I being unreasonable in my expectations? The blow has been deemed 100% the error of THEIR insured motorist. Cheers in advance for any feedback you can provide. Pics will be loaded shortly.

01-11-2017, 12:19 PM

@Trik444

That SUUUUUCKS!!! It sounds similar their adjuster isn't practicing the visitor's due diligence. I'thou not familiar with their offer/counteroffer procedures, only it sounds like what you lot've found alone is enough to reproach their initial offering. If y'all've got an chaser friend, you might desire to ask what your options are if this goes their way. Best of luck human being, I'll be watching this thread for updates.

01-xi-2017, 12:59 PM

Wreck caused "Total Loss" - Insurance advice needed please!-img_0541-jpg

Wreck caused "Total Loss" - Insurance advice needed please!-img_0544-jpg

Wreck caused "Total Loss" - Insurance advice needed please!-img_0545-jpg

Wreck caused "Total Loss" - Insurance advice needed please!-img_0546-jpg

Wreck caused "Total Loss" - Insurance advice needed please!-img_0538-jpg

Wreck caused "Total Loss" - Insurance advice needed please!-img_0539-jpg

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01-11-2017, 01:05 PM

Lamentable to hear of your loss and happy to encounter no 1 was hurt. I accept nothing to add, Only I practice see these on other forums and can't help but see that people just (don't know how) keep biting at them until they offer more money $$.

So only the fenders/parts of the suspension/door were affected? Doesn't sound bad to me, unless the suspension is totally wrecked. Any pics?

Good luck!

EDIT: nevermind on the pics. OUCH (on the Tundra). The interruption movie I tin't tell, bumpers can exist replaced on the cheap (I would think).

01-11-2017, 03:10 PM

Quote:

Originally Posted past CookieRoe View Post

Sorry to hear of your loss and happy to see no one was hurt. I have nada to add together, Only I do see these on other forums and can't assist merely run into that people just (don't know how) keep bitter at them until they offer more than money $$.

So just the fenders/parts of the suspension/door were affected? Doesn't audio bad to me, unless the break is totally wrecked. Any pics?

Good luck!

EDIT: nevermind on the pics. OUCH (on the Tundra). The suspension pic I tin't tell, bumpers tin be replaced on the cheap (I would call back).

Yep so I had a friend of mine who works at a trunk shop get check out the 4Runner at the collision middle information technology's currently sitting at. Subsequently crawling over, under and through information technology he said max is 4k for repair. But at this bespeak I would rather fight for a larger buyout number and put the cash down on a new or newish 4Runner.

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01-eleven-2017, 04:06 PM

Quote:

Originally Posted by philsey View Post

OP It would be very helpful for you to align your pics vertically.

solid input?

Only OP I would definitely recommend calling out the adjuster and explaining your is 4wd and its stock options. Unless your policy includes your aftermarket add-ons normally an extra charge on policies you CANNOT figure those into your estimate. The vehicle will be repaired back to its stock configuration as figured by the insurance company on what they are insuring. But like you said having 4wd and the differential and being a sport model are things that should heave up the pricing. I thing your caput is in the right area and would recommend countering and calling them out on it and showing them comps.

01-xi-2017, 04:thirty PM

Quote:

Originally Posted by Trik444 View Post

Final Fri a commuter lost control of his vehicle trying to change lanes on the freeway and ran into the front fender/bicycle and tire of my 4runner which caused me to get pinched between his Tundra and the cement barrier of the freeway. The damage was concentrated to my fenders, passenger door, snapped the coil-over (also demand new knuckles/LCA/UCA) and I had to limp it off the thruway. Somehow the forepart bumper, hood, engine and all engine components made it out unscathed and no leaks. And as of yesterday it sounds like there is NO structural harm. Luckily, anybody was ok and the driver had insurance and I had a witness to back up what happened.

Fast forward to this calendar week and his insurance company, Progressive, chosen me and said information technology's going to exist a total loss. Honestly I was bracing myself for this thinking they were going to attempt to lowball me on the value and overshoot the repair bill to try and total information technology out. Turns out I was correct...withal I'm absolutely surprised at the figures. My 2005 4runner Sport 4x4 has 190k on the clock and all of the upgrades mentioned in my signature line below. It has been the best and almost reliable automobile I've always endemic and it probably had another 100k left in it as I took exceptional intendance of it.

Progressive is offering $7,200 and they are challenge over $eight,500 in repair toll. The adjuster provided seven local comps. None of them take 4WD or the benefits of having 4WD (rear locking diff, downhill assistance command, etc.). And none of them are the Sport Edition...just basic SR5. Mileage is similar on all comps merely he only gave a total of $585 for the aftermarket piece of work - $130 for the wheels, $405 for the lift kit and $50 for total tint. No value was assigned for the 275/seventy/18 Nitto Terra Grapplers which were almost make new (though he sure built the full retail price of 2 tires into his repair estimate). No value was assigned for the aftermarket alarm or remote start.

I have washed my own research and rapidly constitute 5 comps on Autotrader between 14k-17k list price with 4WD and Sport. I as well have receipts for all aftermarket work and maintenance receipts to prove I kept the 4runner in incredible operating condition.

Can you suggest anything else I tin provide the insurance adjuster or anything else I can argue to get them to provide a higher value? I don't believe $7,200 is what my 4runner is worth nor is it plenty to replace my 4runner with something comparable. Am I being unreasonable in my expectations? The blow has been deemed 100% the error of THEIR insured motorist. Thank you in advance for any feedback y'all tin provide. Pics volition be loaded presently.

A dose of reality:
There are three values to a vehicle:
ane. What Y'all call back it's worth
ii. What OTHER people think it'southward worth
3. The existent value

Aftermarket mods are worthless to everyone but y'all, except if you had special coverage.

What people are ASKING for vehicles like to yours means zilch. This is not a firm or real property. It'southward what people are PAYING for vehicles that determines value.

I did a quick bank check: Your vehicle in EXCELLENT condition (hardly any ever are) is worth around $7700. That's 4WD SE with 190K.

Since it's his insurance you can get a bit for mods. Maybe $500. You tin can also get loss of work comp fourth dimension for running effectually and you lot can likewise get rental car and stuff like that. If you become a lawyer involved you volition lose money. They have better ones.

I promise you do amend but facts are facts. Skilful Luck!

01-11-2017, 05:02 PM

Quote:

Originally Posted by 1engineer View Post

A dose of reality:
In that location are three values to a vehicle:
1. What Y'all remember information technology's worth
2. What OTHER people think information technology'south worth
3. The real value

Aftermarket mods are worthless to everyone only you, except if yous had special coverage.

What people are Asking for vehicles like to yours means nothing. This is not a house or real property. It's what people are PAYING for vehicles that determines value.

I did a quick check: Your vehicle in First-class condition (hardly whatever e'er are) is worth around $7700. That's 4WD SE with 190K.

Since it's his insurance y'all tin get a bit for mods. Maybe $500. You can also go loss of work comp fourth dimension for running around and yous can likewise get rental car and stuff similar that. If you get a lawyer involved you volition lose money. They have improve ones.

I promise you practise better but facts are facts. Good Luck!

I appreciate your feedback and I understand what y'all are proverb. However, the adjuster used advertised pricing for his comps and adjusted them downwards around $700 on boilerplate for anticipated sales price. So that has already been taken into consideration.

I have v bodily comps that are 4WD and Sport Edition listed between 16k-14k. If I'm using the adjusters equation of reducing price $700...that's still a S@$t ton college than $seven,200 in value...even without the aftermarket upgrades.

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01-11-2017, 05:15 PM

When my wife was in an accident back in June (other commuter's error) I never once spoke to the other person'due south insurance. I chosen MY insurance (USAA) and told them what happened. USAA sent their appraiser to assess the damage and value the auto.

When they were done they sent me a written report of how they valued the car and the bulk of them were overpriced cars at dealers. All with similar options, inside one yr (older or newer) and all with similar mileage.

Once I approved their report (I was SHOCKED at how much they said the machine was worth every bit I was planning on selling it for much less) they direct deposited the total amount to my bank account and went after the other person's insurance to pay them.

This whole process took a whopping 4 or 5 days (including a weekend).

TL;DR get YOUR insurance involved and don't take anything you lot don't feel is fair.

For what information technology'due south worth, my "Market Valuation Report" was prepared through "CCC One" for USAA. It very clearly lists all of the factors, and the 9 vehicles it compared information technology to. They valued my 10 year old Eclipse Nav unit at $500 (it was 10 years old...) and rated the interior as "first-class" though it was covered in dirt and domestic dog hair from a hike we had done the weekend prior.

01-11-2017, 05:22 PM

Guy A is minding his ain business concern
Guy B hits Guy A
Guy A gets screwed and is expected to be out of pocket n dollars just to become back to the way he started his twenty-four hour period.

And people wonder why we're a litigious society.

01-11-2017, 05:thirty PM

Quote:

Originally Posted past A.Wilson013 View Post

When my wife was in an blow back in June (other driver'south fault) I never one time spoke to the other person's insurance. I called MY insurance (USAA) and told them what happened. USAA sent their appraiser to assess the damage and value the auto.

When they were done they sent me a report of how they valued the auto and the majority of them were overpriced cars at dealers. All with similar options, within one year (older or newer) and all with similar mileage.

Once I approved their report (I was SHOCKED at how much they said the auto was worth as I was planning on selling it for much less) they direct deposited the total amount to my banking company business relationship and went afterwards the other person's insurance to pay them.

This whole process took a whopping iv or five days (including a weekend).

TL;DR go YOUR insurance involved and don't accept annihilation yous don't feel is fair.

For what it's worth, my "Market place Valuation Report" was prepared through "CCC One" for USAA. It very conspicuously lists all of the factors, and the 9 vehicles it compared information technology to. They valued my 10 year sometime Eclipse Nav unit at $500 (it was 10 years old...) and rated the interior every bit "excellent" though it was covered in dirt and canis familiaris hair from a hike we had done the weekend prior.

CCC One is just body store repair estimate software. You can actually physically input anything into MVR but fyi. As the concluding part of your comment shows it really comes down to the appraiser and try put in.

To the OP I would put their anxiety to the burn and become reasonable fifty-fifty more than comparable vehicles for the valuation of your vehicle.

sincerely,
Former Body Shop manager

fun fact: USAA is one of the best insurance agencies out there when information technology comes to handling auto accidents and the process is extremely slick and stream lined. Ane of the many things I learned in the manufacture and made me realize how crappy my initial insurance visitor was.

EDIT: also have into account your buddies judge is just that. They are never 100% authentic and locked in stone. So although he quoted 4k that is only what he tin can visually see. One time you get into the vehicle and actually tear it downwards is where you lot commencement noticing things adding upwardly quickly.

01-eleven-2017, 07:01 PM

Quote:

Originally Posted by Trik444 View Post

Yeah so I had a friend of mine who works at a body shop get cheque out the 4Runner at the collision middle it'south currently sitting at. After crawling over, under and through it he said max is 4k for repair. But at this bespeak I would rather fight for a larger buyout number and put the greenbacks down on a new or newish 4Runner.

Progressive is offering $7,200 and they are claiming over $8,500 in repair cost.

I have done my own enquiry and rapidly constitute 5 comps on Autotrader between 14k-17k list price with 4WD and Sport.
I take v actual comps that are 4WD and Sport Edition listed between 16k-14k.

Sorry to hear Trik444, Progressive is incorrectly using 2WD comps...pretty much a useless practise.

Showtime mistake, your T4R is probably on the clock for $85/24-hour interval storage - until matter is settled.
- should have been towed into your driveway...bargaining scrap
#ii - don't exist quick to plough over ownership, if you still have it
#3 - prove your comps / tell Progressive you want $xv,000
#4 - tell Progressive your ownership back the Limited , at estimated auction price (could be like $ii,500)
#5 - insist vehicle accident/ownership is non branded or CarFax reported
#half dozen - pay the storage fees & take Express to trunk shop friend
#7 - pocket several thousand dollars profit

^^ My blood brother did these steps, with a mint & totaled 2000 Jeep Wrangler.
- and had to fight for fair marketplace value, as his TJ was imported rust free out of U.s....did his ain comps
- he ended upwards with an $6,500 like shooting fish in a barrel profit & didn't even turn a wrench / but sourced all parts
He got $11,000 cash, and pd. $1,500 auction est. and $500 cash storage & tow.
He had a licence automobile body friend straighten the frame & rebuild front with new parts & repaint.
- got perfect door gaps, and front end alignment went easy-peesy
A year later he hit a white tail deer...profited another $one,500 on that 2d merits / and then turn a negative into an opportunity !!

01-11-2017, 09:19 PM

Quote:

Originally Posted by wadle5 View Post

fun fact: USAA is one of the best insurance agencies out in that location.

I generally agree with you about USAA. Except for the time an uninsured drunk illegal alien (not the kind from space) hitting my wife head-on, a month after we paid it off, when she was eight months pregnant. Talk about a perfect storm. USAA totaled it out, and it was still driveable, no fluids leaking, no funny noises wtf?

I hate insurance. Information technology has never benefited me.

01-11-2017, 12:19 PM	#two

Junior Member	@Trik444 That SUUUUUCKS!!! It sounds similar their adjuster isn't practicing the visitor's due diligence. I'thou not familiar with their offer/counteroffer procedures, only it sounds like what you lot've found alone is enough to reproach their initial offering. If y'all've got an chaser friend, you might desire to ask what your options are if this goes their way. Best of luck human being, I'll be watching this thread for updates. __________________ 2002 T4R Limited 4WD -- 94000 miles -- Purchased 10/2014 INTERIOR :- LEDs gauges/interior lights -- Pioneer AVH-X3500BHS & backup photographic camera -- full audio bandy -- custom box in rear -- CB radio ashtray modern -- DRL disable switch -- ScanGauge II -- Weathertech liners -- rear door eagle eye LEDs EXTERIOR :- Repainted trailer hitch + restriction drum covers -- Replaced rear suspension prior to taking delivery -- T4R.ORG stickers (for HP gain of course) -- Retrofit projectors -- Satoshi modern with LED calorie-free bar -- new NGK plugs and wires
	Reply With Quote

01-11-2017, 01:05 PM	#5

Senior Member	Lamentable to hear of your loss and happy to encounter no 1 was hurt. I accept nothing to add, Only I practice see these on other forums and can't help but see that people just (don't know how) keep biting at them until they offer more money $$. So only the fenders/parts of the suspension/door were affected? Doesn't sound bad to me, unless the suspension is totally wrecked. Any pics? Good luck! EDIT: nevermind on the pics. OUCH (on the Tundra). The interruption movie I tin't tell, bumpers can exist replaced on the cheap (I would think). __________________ Current: 2005 V6 Limited 4x4. SOLD: 2000 HiLux Surf SSR-Grand, 1997 HiLux Surf SSR-X Limited
	Answer With Quote

01-eleven-2017, 04:06 PM	#viii

Senior Member	Quote: Originally Posted by philsey OP It would be very helpful for you to align your pics vertically. solid input? Only OP I would definitely recommend calling out the adjuster and explaining your is 4wd and its stock options. Unless your policy includes your aftermarket add-ons normally an extra charge on policies you CANNOT figure those into your estimate. The vehicle will be repaired back to its stock configuration as figured by the insurance company on what they are insuring. But like you said having 4wd and the differential and being a sport model are things that should heave up the pricing. I thing your caput is in the right area and would recommend countering and calling them out on it and showing them comps. __________________ -2013 T4R SR5-MYSALSA-KO2'due south -(SOLD)2006 T4R SR5. Nautical Blue Metallic. 255/70/17 Full general AT2. LED Interior Swap. Toytec Ultimate 3inch elevator/Icon 2.0s Rear, SHROCKWORKS Front end Bumper, OEM FJ wheels, WM Roofrack, slowly working information technology up. My Build thread HERE -(SOLD)2005 Subaru Impreza WRX STi. BMW Mica Blue paint job. Cobb stage 2 tuning. Other modifications.
	Answer With Quote

01-11-2017, 05:15 PM	#eleven

Senior Fellow member	When my wife was in an accident back in June (other commuter's error) I never once spoke to the other person'due south insurance. I chosen MY insurance (USAA) and told them what happened. USAA sent their appraiser to assess the damage and value the auto. When they were done they sent me a written report of how they valued the car and the bulk of them were overpriced cars at dealers. All with similar options, inside one yr (older or newer) and all with similar mileage. Once I approved their report (I was SHOCKED at how much they said the machine was worth every bit I was planning on selling it for much less) they direct deposited the total amount to my bank account and went after the other person's insurance to pay them. This whole process took a whopping 4 or 5 days (including a weekend). TL;DR get YOUR insurance involved and don't take anything you lot don't feel is fair. For what information technology'due south worth, my "Market Valuation Report" was prepared through "CCC One" for USAA. It very clearly lists all of the factors, and the 9 vehicles it compared information technology to. They valued my 10 year old Eclipse Nav unit at $500 (it was 10 years old...) and rated the interior as "first-class" though it was covered in dirt and domestic dog hair from a hike we had done the weekend prior. __________________ 2006 Lexus GX 470 Sport - RR Diff Lock, Metallic Tech Sliders, RCI Aluminum Skids, Front end Runner Slimline Ii Rack, SCS F5s, 255/80R17 ST Maxx , OME BP-51s, Clay King UCAs, Metal Tech RR Lower Links 2016 Lexus IS300 F Sport - F-Sport Air Filter RR Racing tuner Last edited by A.Wilson013; 01-11-2017 at 05:21 PM.
	Answer With Quote

01-11-2017, 05:thirty PM	#13

Senior Member	Quote: Originally Posted past A.Wilson013 When my wife was in an blow back in June (other driver'south fault) I never one time spoke to the other person's insurance. I called MY insurance (USAA) and told them what happened. USAA sent their appraiser to assess the damage and value the auto. When they were done they sent me a report of how they valued the auto and the majority of them were overpriced cars at dealers. All with similar options, within one year (older or newer) and all with similar mileage. Once I approved their report (I was SHOCKED at how much they said the auto was worth as I was planning on selling it for much less) they direct deposited the total amount to my banking company business relationship and went afterwards the other person's insurance to pay them. This whole process took a whopping iv or five days (including a weekend). TL;DR go YOUR insurance involved and don't accept annihilation yous don't feel is fair. For what it's worth, my "Market place Valuation Report" was prepared through "CCC One" for USAA. It very conspicuously lists all of the factors, and the 9 vehicles it compared information technology to. They valued my 10 year sometime Eclipse Nav unit at $500 (it was 10 years old...) and rated the interior every bit "excellent" though it was covered in dirt and canis familiaris hair from a hike we had done the weekend prior. CCC One is just body store repair estimate software. You can actually physically input anything into MVR but fyi. As the concluding part of your comment shows it really comes down to the appraiser and try put in. To the OP I would put their anxiety to the burn and become reasonable fifty-fifty more than comparable vehicles for the valuation of your vehicle. sincerely, Former Body Shop manager fun fact: USAA is one of the best insurance agencies out there when information technology comes to handling auto accidents and the process is extremely slick and stream lined. Ane of the many things I learned in the manufacture and made me realize how crappy my initial insurance visitor was. EDIT: also have into account your buddies judge is just that. They are never 100% authentic and locked in stone. So although he quoted 4k that is only what he tin can visually see. One time you get into the vehicle and actually tear it downwards is where you lot commencement noticing things adding upwardly quickly. __________________ -2013 T4R SR5-MYSALSA-KO2'south -(SOLD)2006 T4R SR5. Nautical Blue Metallic. 255/70/17 General AT2. LED Interior Swap. Toytec Ultimate 3inch lift/Icon 2.0s Rear, SHROCKWORKS Front end Bumper, OEM FJ wheels, WM Roofrack, slowly working information technology up. My Build thread Hither -(SOLD)2005 Subaru Impreza WRX STi. BMW Mica Blue paint job. Cobb stage 2 tuning. Other modifications. Last edited by wadle5; 01-xi-2017 at 07:13 PM.
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How Much Money Will Insurance Pay For Totaled 2001 Tundra Sr5 4 Wd Truck

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