So Sad, Too Bad... dreaded rear-ended

[Minister Lewis]

My first Maverick got totaled (not my fault) one year ago. I had zero problems with the insurance company. I paid about $34,000 and they gave me "market value" about $42,000. I wasn't about to turn down that offer.

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[Old Fart]

There is a reason, there are relief bends in the box frame.
A better idea would be a shock absorbing bumper guard that fits into the receiver hitch.

It's all tied to the frame, I've spent many hours on my back under the bed fixing and up dating the use ability of this trucklet. Air bags where they need to be. And electric on the bumper. Your idea doesn't cover off center wrecks because the receiver is attached to the frame which would exacerbate the impact especially in a torsional juxtaposition, I once built a bumper out of 1" steel angle with a 2"X6" inside the rectangle of steel I backed into a pole, the steel bent but the wood returned to its original shape. 67 Chevelle station wagon no frame damage result.

 

[EffNo50]

67 Chevelle station wagon no frame damage result.

I'm not surprised there was no frame damage, the impact was all transferred to the occupants back then. That was before the mandated crumple zones.

 

[Glen Baker LLC]

 

[Old Fart]

I'm not surprised there was no frame damage, the impact was all transferred to the occupants back then. That was before the mandated crumple zones.

The back seat was gone, it was a $50 car that had been mashed in the front and back, so I chopped it into a crew cab El Camino, with a Ford Torino front end, it still ran well and I had gallons of bondo. It was before I discovered all the misuses for duct tape.

 

[MarcoG]

Get an attorney and make sure you get enough for a new 2025

Or, the max to fix it with new parts and they even calculate thr loss of diminished value due to accident.

 

[bikesnbacon]

Sorry I didn't reply earlier. My mother's health was failing at the time of the accident and I have been busy caring for her.

I never expected the insurance to cover the difference for model year price increases, but I wish it would. My wife is gung ho on getting an attorney to sue. The only "pain and suffering" I have sustained is having to drive a crappy rental car while the insurance company dragged its feet.

And they did mark it as a total loss. So I have placed an order for a new '25 Lariat. Comes out to a price difference of $4k between what I paid and what the new one costs. Not bad considering the addition of 4K towing and 4 wheel drive. I'm happy with that. That leaves less than $3K between what insurance has determined the value to be and what I paid.

All in all, I think it might a reasonable offer. I haven't accepted yet while I consider the attorney option.

 

[BlueOval1954]

December 2023. My Honda Element gets rear-ended on a highway, the driver behind tried to stop in his Mercury Mountaneer, but couldn't - hit me probably at 30 mph or so (I was stationary after a full stop in moderate traffic).

Same as yours - bumper facing 45 degrees down, and not much else (visibly). The body shop found "frame damage", the insurance totalled the car, paid me about 80% of its market value, and I am keeping it.

I went to another body shop - he laughed at the "frame damage", saying it was purely symbolical and didn't need any work. Replaced my bumper for $700, I am still driving it, will be trading for my upcoming Maverick in January. Of course I will disclose everything about the accident when I trade it in, I expect getting about half of its market value.

In the end, I will be getting more that its market value. - I estimate 140% (insurance payment + trade-in payout).



Based on what I just said above, yes - if you do the same as I did.

I'm trying to understand this. So the insurance company totaled your car and only paid out 80% of market value, they allowed you to keep the vehicle because you invested the remaining 20% ? I always thought that if an insurance company totaled a vehicle, they would take possession of it and it would end up at Copart or somebody like that.

 

[Bad Samaritan]

I'm trying to understand this. So the insurance company totaled your car and only paid out 80% of market value, they allowed you to keep the vehicle because you invested the remaining 20% ? I always thought that if an insurance company totaled a vehicle, they would take possession of it and it would end up at Copart or somebody like that.

They gave me a choice to surrender the vehicle and get a full payment, or to keep it and get a partial payment. This is actually the second time this happened in our family - several years back, son's Subaru Impreza had hail damage, and we were presented with the same choices. Son ended up keeping the car with a partial payoff.

 

[EffNo50]

I'm trying to understand this. So the insurance company totaled your car and only paid out 80% of market value, they allowed you to keep the vehicle because you invested the remaining 20% ? I always thought that if an insurance company totaled a vehicle, they would take possession of it and it would end up at Copart or somebody like that.

The insurance company offered me the option to buy it for what a salvage company's quote was. So what they would have received from Copart or other.

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