Is It Totaled?
Senior Member
Joined: Oct 2013
Posts: 207
Likes: 25
From: Regina SK Canada
It depends on the insurance company.....if it was mine I would be asking for a new truck....loss of value in the future would be substantial.
Get your self a lawyer, as you have rights that need to be protected.
Get your self a lawyer, as you have rights that need to be protected.
i would be highly surprised if its toast..but i would go after diminished value on the truck
and there IS NO TRUTH to the truck will never be the same story...if you get a good reputable shop to fix it you wont ever be able to tell
oh and OP it is 100% YOUR CHOICE where you get the truck fixed..the ins. co. will try to steer you to shops but you can say no i want it fixed here
know your rights
and there IS NO TRUTH to the truck will never be the same story...if you get a good reputable shop to fix it you wont ever be able to tell
oh and OP it is 100% YOUR CHOICE where you get the truck fixed..the ins. co. will try to steer you to shops but you can say no i want it fixed here
know your rights
Senior Member
Joined: Feb 2012
Posts: 2,446
Likes: 228
From: Houma, Louisiana
What is your states total law? In louisiana it is 75% vehicles blue book/appraised value.
Bring it anywhere you want to have it repaired, the companies can not tell you where to fix it or store it. If it's that new I would suggest a good ford dealer, last thing you want is another shops repairs to void a warranty, also make sure they use the right trim model when valuing the truck if you want it totaled. They used the most expensive 2012 escape for my wife's 4 banger so it wouldn't total, we couldn't afford a new one, i was out of a job, and the dealer wanted the labor money, and it drives just as good as the day it was bought, all front end repairs too.
Bring it anywhere you want to have it repaired, the companies can not tell you where to fix it or store it. If it's that new I would suggest a good ford dealer, last thing you want is another shops repairs to void a warranty, also make sure they use the right trim model when valuing the truck if you want it totaled. They used the most expensive 2012 escape for my wife's 4 banger so it wouldn't total, we couldn't afford a new one, i was out of a job, and the dealer wanted the labor money, and it drives just as good as the day it was bought, all front end repairs too.
Member
Joined: Sep 2014
Posts: 44
Likes: 4
I doubt it's totaled. My mother was T-bones in a new Buick car and it looked much worse than your truck and hers was not totaled. Personally I would not want them to just fix that if it was my truck I would be pushing for it to be totaled imo
Senior Member
Joined: Jun 2014
Posts: 2,335
Likes: 328
From: Los Angeles
Wow, a lot of people can tell if it's a total or not by 2 pics. Impressive.
Op, I live in WI like you, but work in MN, so I can't accurately say which way it will go for WI, it varies state to state. It all depends on your insurance as well. I know when I lived in Massachusetts, commerce ins would total at 50%. On my policy, liberty mutual totals higher, I believe it is 66%
Op, I live in WI like you, but work in MN, so I can't accurately say which way it will go for WI, it varies state to state. It all depends on your insurance as well. I know when I lived in Massachusetts, commerce ins would total at 50%. On my policy, liberty mutual totals higher, I believe it is 66%
We can make an educated guess with what we are given. I bet I could get it right if it was two GREAT pics.
Member
Joined: Oct 2014
Posts: 57
Likes: 8
It is not totaled. That being said, once you get it fixed it is going to have a depreciated value. Carfax will show it being in a accident and your title to the vehicle may also reflect a salvage. Even if they fix the truck the insurance company should award you a lump sum of cash because of the diminished value. Be careful and be firm in what you want. Good luck.
I meant no offense with my observation. My point was, to say it's definitely one way or the other, with only 2 pics, and no other info(i.e. at fault parties insurance total percentage, original estimate, etc) is purely a guessing game. Hell, insurance agents don't get it right a lot of the time. The truck in the pics of my previous post was labeled as a total at first as well, by the at fault parties insurance.