My maverick now has salvage surname.

[Bushpilot]

So his first Maverick was free? I doubt that... He either paid cash or took out a loan. If he paid cash, he's getting back part of what he already paid for the truck. If he has a loan, that loan will need to be paid off before he's "free and clear."

Trust me, the insurance company isn't going to do anything that would "better" your position financially. The $40K offer was a reasonable attempt to give you "replacement value" for your vehicle, plus a little extra to pay for ancillary expensed in finding / purchasing a replacement (Maverick or otherwise). The "keep your vehicle and we'll give you $20K" offer was basically giving you the difference in the $40K minus the roughly $15K they think they could get (after expenses) if the sell the Maverick as a "parts truck"...

Either way, the "flawless" first truck is "lost." Forget it exists. And either way, any loan associated with it has to be paid, so forget that exists.

The intent of the insurance company as well doesn't matter, what matters is the offer.

Now, his choice is an equal replacement ($40k), or this damaged one, and they pay ($25k) him to take it.

We all make choices in life. I would have taken the damaged one.

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[Rockingchair]

In Calif registration on new cars is stupid high. I worked years ago at a shop that bought and repaired salvage auction cars. When we sold one we disclosed the damage and gave the buyer the option of buying the car with a prior salvage title or prior junk title. The difference was that registation fees for prior salvage title was based on the Original price of the car when first sold. The registration fees for a prior junk vehicle was based on the purchase price of the junked car and the cost to repair. Many customers took that option.

 

[NJBob]

Always wondered if a bump step as sold by weathertech would help or hurt in a rear ender. Seems like the Mav has issues with minor rear enders which happen frequently at least to me they do.

 

[ZLoY]

So his first Maverick was free? I doubt that... He either paid cash or took out a loan. If he paid cash, he's getting back part of what he already paid for the truck. If he has a loan, that loan will need to be paid off before he's "free and clear."

Trust me, the insurance company isn't going to do anything that would "better" your position financially. The $40K offer was a reasonable attempt to give you "replacement value" for your vehicle, plus a little extra to pay for ancillary expensed in finding / purchasing a replacement (Maverick or otherwise). The "keep your vehicle and we'll give you $20K" offer was basically giving you the difference in the $40K minus the roughly $15K they think they could get (after expenses) if the sell the Maverick as a "parts truck"...

My truck was fully paid. If I decide to cell my truck for parts, I may have more money than current cost. (12k). But I agree, insurance will never do something for free

 

[ZLoY]

Always wondered if a bump step as sold by weathertech would help or hurt in a rear ender. Seems like the Mav has issues with minor rear enders which happen frequently at least to me they do.

My bumper fine. Just some scratches.

 

[Senior Master Ford Guy]

Are you sure of your 2 options? I bought a wrecked Escape from a friend of mine a few years ago that his insurance company was going to total. He asked them how much he could keep the vehicle for and they told him the difference, and since insurance wouldn't be paying the full claim as a total loss the title would not become a salvage title. I bought it from him for $50 more than he paid his insurance company to keep it and my daughter is still driving it today- clean title in hand.

 

[ZLoY]

Are you sure of your 2 options? I bought a wrecked Escape from a friend of mine a few years ago that his insurance company was going to total. He asked them how much he could keep the vehicle for and they told him the difference, and since insurance wouldn't be paying the full claim as a total loss the title would not become a salvage title. I bought it from him for $50 more than he paid his insurance company to keep it and my daughter is still driving it today- clean title in hand.

Maybe I did it wrong, but I use a lawyer for this accident. Everything was paid for by another car insurance. Maybe another Maverick owner read this thread and will do a better decision in the same situation.

 

[Telemachus]

Maybe I did it wrong, but I use a lawyer for this accident. Everything was paid for by another car insurance. Maybe another Maverick owner read this thread and will do a better decision in the same situation.

What's done is done.

Just excited to see your journey in getting it restored to insurable status.

 

[ZLoY]

What's done is done.

Just excited to see your journey in getting it restored to insurable status.

Me too. I am the First time in this. Looks like I need to register my car again, and maybe do a smog check. Still waiting for docs.

 

[Bushpilot]

It's all driven by state laws, but I know for sure my Mom totalled a car, and Dad had it repaired, and it never changed title.

 

[MushroomsAreMagic]

What happens if you get hit again with a salvage title, do you get paid again?

Yes if it'sthe other driver's fault! My 93 ford ranger got totaled 3 times as i was hit by others 3 times! You can say you want them to pay to have it fixed but have them send the check to you. Then get yourself a fine steak dinner and pocket the rest and drive home in that truck with one more dent in it, one more misaligned panel reveal, and a few more scratches n scuffs . If you're at fault, your screwed obviously.

 

[grumpyunk]

I had a minor accident last year, Rear-end collision. After more than 4 months of waiting for parts, my car was declared a total loss.
The left frame rail was slightly bent in the crumple zone. Ford does not allow pulling or welding of this part. only replace. But replacement costs more than $26 000.
Insurance gives me 2 options, pay me 40k to buy a new car or pay me 25k and I will keep my car as salvage. I decided to take a risk and keep the car. Pulling this rail cost around 2k-3k. So I plan to fix and make a rebuilt title. My car has 6k miles. It is still new...
Damage on my Maverick in the attached picture. Watch your back! Easy to get a total loss.


P.S. I found many mavericks with a similar problem on Copart. This one is an example:
First edition.
https://www.copart.com/lot/44676343/2022-ford-maverick-xl-ri-exeter

Wonder what they are smoking in Copart Exeter.... $38k for an XL as their estimated retail value. Wow
what does that make an undamaged XLT worth? I'd take $38k.

 

[grumpyunk]

Not sure a body-on-frame truck fares a whole better in these situations, as far as insurance goes... I've had two full-size trucks that had seemingly minor accidents that tweaked one of the frame rails (a RAM and a Chevy), and both were totaled because neither manufacturer would allow the frame rails to be straightened.

My son was driving in both cases. In the Chevy, another driver ran a red light and hit the front of the Chevy. He he was making a left turn (with a protected green arrow - red light for the oncoming car) at the time. The frame rail damage was behind the front wheel, where the rail curves upward for axle clearance. Body shop says they've repaired dozens of older trucks with that type of damage, but since it was under warranty and repairing a "no repair" area of the frame would have voided the warranty (per Chevy), insurance totaled it. Hated to see that one go... My wife LOVED her truck, and the son borrowed it for a "hot date" to impress a girl - who probably wasn't very impressed, since he learned later that SHE drove a brand new Lexus...

The other incident was more "disturbing" to me. Same kid ran off the side of a winding country road (probably driving too fast, but won't admit it), and dropped the front right wheel into a pretty deep drainage ditch. It was resting on the frame on the ground... He called a buddy who came and pulled him out with his 4WD truck / winch. Somewhere in that process, the frame got a very small "kink" in it - again behind the front wheel. This one was undetectable to my naked eye, but you could (barely) feel it when you ran your fingers over the frame rail edge. Had it at a body shop to fix / re-attach the plastic around the front bumper / quarter panel by the front wheel when they found the damage while assessing the repair. Totaled by insurance company - no repairs authorized to the bed rails. Even if they could have repaired it, it was an older, cheap truck (I did say RAM, right?) that just wasn't worth repairing and keeping with a salvage title.

A body shop in Temecula replaced the frame under a Silverado when it was damaged. Unbolted everything and bolted it onto a brand new frame. Still less than totaling the vehicle. It took a while, but was used as a 'time-filler' when other activities allowed a pause in more quickly turnable jobs. Probably one of the best put-together Silverados after the work was done. Same shop replaced the whole roof(and maybe hood) on a Jeep paid for by insurance. Perhaps the decision is based on how the estimate is written.

 

[Baby truck]

What is your insurance company? My insurance caps replacement value at 110% of msrp. Not good enough.

 

[ZLoY]

What is your insurance company? My insurance caps replacement value at 110% of msrp. Not good enough.

opponents car insurance is Statefarm. Usually, we have total loss if the repair costs more than 75% of the car itself. You are lucky with your insurance.

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