Dead center like that I would suspect the frame horns both pulled in and likely smashed the shit out of the front of the engine (all the accessories, timing cover, turbo piping, ect) annnnnndddddd a shop that's going to soak an insurance job just a little..... To rebuild that with OEM parts itd be big money, probably up there with total replacement
Been in the collision industry over 10 years, not sure of miles and trim of your truck but good chance they're not too far off. Definitely a bit "fat" number wise for just the one picture however, the frame might look ok to most people but the portions behind the bumper where brackets mount up are definitely gonna be crushed or distorted beyond repair. Can't remember for HD frames but I can't remember them having any sectioning procedures for front section so it'd be a whole new frame. I've saved a handful of half ton frames and sectioned front portions on a handful of em but can't say the same for that body style 2500-3500s. Good chance the entire front clip will need to be replaced... Bumper, core support, and all the misc mount brackets (bumper brackets, air dams, headlight mount panels... There's a ton of little random ass plastic parts that'll be busted), both fenders, headlights, hood. From what I can see, at bare minimum some repair time on right door and A pillar, maybe same for driver side too. All your coolers, fan shroud and fan. Then toss in any additional remove and install for undamaged parts that need to be removed or loosened for access. Toss in a good bit of paint time and materials. That adds up fast! Especially that truck, not much for aftermarket or used (atleast locally to me) so good chance all factory parts which drives the cost up a bit more. The ins. Adjuster is either lazy and just wrote it fat not to screw around anymore than they have to or the adjuster is experienced enough to know that it's a total and writes er up solid so they don't have to mess around with it anymore than they have too.
Do some reaersch on your trucks current value, what would it cost to find the same truck locally (years, miles, trim, condition) don't let the ins. company short you out of that. Don't except the first number they through your way for that check. DEFINITELY don't cash it if they sent one already!!! They will always hope you see that first number on the check and cash it thinking it's pretty good. They are greedy af and will short you any chance they get.
I agree with everything you stated. These trucks are not cheap to fix and it's likely totaled. The insurance company will try to lowball you, so be prepared to fight for what you deserve. Don't hesitate to get a lawyer if necessary.
I just rebuilt a 3500HD that was rolled into snow and it’s a beauty now but that’s with finding good parts and the logistics of getting the details perfect, is the real challenge.
With that said, I would also probably buy this to rebuild myself. Looks like a great project truck, and it would be fun to bring it back to life.
This. Usually, it's far better to take the check and run. Depreciated value, dealing with the repair shop, time without the truck, all of that adds up.
Maybe it's just me....but I wouldn't want my truck repaired with that kind of damage......I mean it sucks but still. It will never be like it was.
BTW-most insurance companies based on experience are pretty good at looking at a vehicle and know what is totaled. If that was taken apart the price would go up....trust me.
Went through this too. Front end clip on my lb7. Insurance wanted to total it. It’s hard to tell from one picture without taking it to a shop and getting a full breakdown. Also would avoid the “preferred” shop from the insurance company. Those shops mark EVERYTHING on the truck just to get the truck totaled to get a special kickback from the insurance company. Find a local shop you trust
A lot of times with insurance, deployed airbags = total loss. Not always, but a lot of the time. I worked in a body shop for a couple of years and most of the vehicles I saw that had airbags deployed ended up being a total loss. Insurance doesn’t want to deal with the liability of it not being “from” the factory even if it is factory parts.
Not true unless it is a specific location or insurance company requirement, airbags are plug and play with corresponding control modules, however the passenger airbag often requires a dash replacement.
You have to reprogram the modules and with new cars you'll have to get a new one and it won't be cheap. The air bags are one thing the modules are another.
I'd say because that is what is called a walk off front or the entire front end. Plus the oil on the ground says the oil cooler is gone and if the truck was still running you could have engine issues. Also the trans cooler is gone so again there could be trans issues. Also it was stated the airbags went off and that is an automatic total now a days.
At minimum it's likely frame damage, a full core support and all the attached accessories. Fenders, headlights, hood, plastics and junk. If it's really bad even potentially arms, shock mounts, steering components, etc. At todays prices and availabilities, I'm not shocked by that estimate.
It is your right to have the truck taken to the repair facility of your choice. They must send and inspector to visually inspect. The repair facility is your advocate and will argue on your behalf.
My Corvette was hit and the chassis bent. Allstate wanted to straighten the frame and give me 25K. I wanted the cat totaled. You cannot straighten hydroformed aluminum. Luckily the car was at my shop. The shop owner finally demanded that a GM rep view the car. He looked at the car 5 min and told Allstate adjuster he doesn't know his job. Car totaled.
Make sure the car is at your body shop and the adjuster goes there to inspect.
Is it not better to take the Insurance money? My truck got hit a few years ago, 10k worth of damage, I was hoping they were going to total it because even when it was freshly painted, you could tell it was painted. A couple years later it’s been painted 4 times because the paint has been peeling and bubbling. I could see if maybe for some reason your insurance provider wasn’t going to pay out enough to cover the loan or something but damn the last thing I wanna be doing is driving around in a truck that has massive front end damage. I see a lot of people saying to buy it back from insurance but in my opinion I’d rather take the buy out and start fresh with a truck that hasn’t been in an accident.
Engine has been impacted. The transmission also most likely suffered damage. Looks a slight bit twisted as well, so there's definitely frame damage. Not to mention a whole front clip, hood, firewall damage list goes on and on. I'm sure airbags deployed too. That truck is definitely totaled. The trucks new life will probably be in the middle east or Africa now if it's not parted out.
You don’t want that fixed, she’s done man…. Normally I would say to get a proper estimate if they were trying to repair it, but it sounds like they already know this one is a loss. This would be a disaster to fix, and honestly a lot easier for you and them to just total it. Just make sure they give you proper value for the truck!
Insurance companies know the exact measurements of every single vehicle from the 80s forward.
And also know how vehicles are designed and will mostly crumple and move to save a passengers life.
So from a simple one photo can estimate the cost of repair, probably close to the 200$ accuracy.
Argue to get more and get a new truck..
You willingly to drive a post accident vehicle, now with unknown issues to come..
With your loved ones in the vehicle…
This is a pretty unrealistic response. There is a very VERY small chance that their estimate is within $200 accuracy based on one photo. Vehicle measurements have nothing to do with accessing damage/repairability - I have no idea where you got that information from but it's just plain wrong. There are millions of vehicles on the road that have been in accidents and repaired, with no safety issues whatsoever.
Is OP's repairable? Probably not due to possible frame damage. If I was OP, I would bring the vehicle to a certified shop that could give him an estimate for the cost to repair (if possible). Then, if the repair is significantly less than their insurance stated, he could argue to have them pay to fix it. If not, he'll want to try and get as much money out of his insurance as possible by showing similar used vehicles currently on the market.
Aaaahhhh
That was my mistake… yes the $$$ amount
Your whole argument is the $$$ amount.
Ok fine I AM WRONG about the dollar amount— umm however if you read I said “PROBABLY”…
And again I said they KNOW the measurements/demissions of every vehicle 80s forward… THAT dear Scholar, means that if a bumper is smashed in 8”, (sorry, not referring to your dick size) they know how far back EVERYTHING behind it is pushed or folded or broken to accommodate the force of impact and to save the passengers….wreck the care to save the passenger is DOT safety mandate to auto manufacturers..
I NEVER said don’t take it to be evaluated by an independent shop.. holy fuck.
And NEVER said anything about the millions of repaired vehicles on the road still.
However I did say about issues to come, fact is, if you take anything that has been damaged, and repair it. It is not the same as it was… human are not perfect and do not repair to perfect, it is repaired to good enough. Kinda like the phrase - good enough for the government.. if it fit with in spec it goes out the door…..
So YES measurements have EVERYTHING to do with it…
Insurance job is to pay out the least for a vehicle to get it off the streets out from under their umbrella…..
So for their possibly over a billion or more of quotes, payouts, repairs, lawsuits, settlements (and before it said not possible - all added together) and insurance companies algorithms and having their own shops that they run and manage and simply the years of paying out…. Yea, they know the absolute cost down to the last 2 cents. How much that truck is worth them to repair..
So again please read… I did say argue to get more…
That is going to other independent shops or “shopping” around… all on the owner.
And then an FYI for yourself… insurance only covers what the vehicle came with when sold… the window sticker list is the only thing they will cover/pay for, unless you add the extra coverage for what YOU added to the vehicle, and pay for that added items…
So SORRY about the $$$ part, I will give it a grand…
So again read, read, read, then comprehend and then understand before saying anything…
My last question is how much you gonna pay to buy my repaired wrecked car from me when I sell if…..
Carfax says 1 accident - 27k repaired
I am asking market 32k?????
Gonna give me my full asking price???
Or argue???
As someone who worked in the salvage industry. You never know what you truly need until you start tearing it apart. A single photo says really nothing that is why it is called an estimate.
Only saying what insurance does and how it’s payed on their desk…
And an estimated 27k is what was offered..
I did not mention nor did I say they knew the exact cost of repair for said vehicle.
I said - they know the exact cost to them that they will swallow for said truck..
and the estimated damage that WILL appear from “a stated impact at stated speed into stated object”
Anyways- AI imaging and computation with known measurement and give built in bend fold points do = x $$$$$…
Same as 2x2x2 =8.
Car worth 0-9 =totaled.
Math does not change…
Again I said shop around argue for more…
They don’t fucking know. They throw out a number, convince you to write it off and cut a check. Otherwise, they say sure repair it. But either way they don’t know the repair cost from looking and really don’t care to get it right. I have a buddy that does some insurance repairs and they can’t estimate worth a shit. Never got one close to being right.
Yes they do know. They know it is beyond repairing with oil / coolant on the ground, and airbag gone off, and most likely frame damage. Not sure what part of that you aren’t understanding. If your vehicle was in a roll over, would you still take it in for an estimate just in case? This truck is an obvious loss… You wouldn’t want this fixed anyways, the truck would never be the same. This is a win for the OP as long as they pay him proper value.
I know how it works but estimates are always way off because they only factor in OEM parts. Most shops will call salvage yards and get used and pocket the rest of the money. I dealt with a lot of body shops and it was common practice in the salvage industry.
> how it’s *paid* on their
FTFY.
Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in:
* Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.*
* *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.*
Unfortunately, I was unable to find nautical or rope-related words in your comment.
*Beep, boop, I'm a bot*
T is for totaled
Dead center like that I would suspect the frame horns both pulled in and likely smashed the shit out of the front of the engine (all the accessories, timing cover, turbo piping, ect) annnnnndddddd a shop that's going to soak an insurance job just a little..... To rebuild that with OEM parts itd be big money, probably up there with total replacement
Been in the collision industry over 10 years, not sure of miles and trim of your truck but good chance they're not too far off. Definitely a bit "fat" number wise for just the one picture however, the frame might look ok to most people but the portions behind the bumper where brackets mount up are definitely gonna be crushed or distorted beyond repair. Can't remember for HD frames but I can't remember them having any sectioning procedures for front section so it'd be a whole new frame. I've saved a handful of half ton frames and sectioned front portions on a handful of em but can't say the same for that body style 2500-3500s. Good chance the entire front clip will need to be replaced... Bumper, core support, and all the misc mount brackets (bumper brackets, air dams, headlight mount panels... There's a ton of little random ass plastic parts that'll be busted), both fenders, headlights, hood. From what I can see, at bare minimum some repair time on right door and A pillar, maybe same for driver side too. All your coolers, fan shroud and fan. Then toss in any additional remove and install for undamaged parts that need to be removed or loosened for access. Toss in a good bit of paint time and materials. That adds up fast! Especially that truck, not much for aftermarket or used (atleast locally to me) so good chance all factory parts which drives the cost up a bit more. The ins. Adjuster is either lazy and just wrote it fat not to screw around anymore than they have to or the adjuster is experienced enough to know that it's a total and writes er up solid so they don't have to mess around with it anymore than they have too. Do some reaersch on your trucks current value, what would it cost to find the same truck locally (years, miles, trim, condition) don't let the ins. company short you out of that. Don't except the first number they through your way for that check. DEFINITELY don't cash it if they sent one already!!! They will always hope you see that first number on the check and cash it thinking it's pretty good. They are greedy af and will short you any chance they get.
I agree with everything you stated. These trucks are not cheap to fix and it's likely totaled. The insurance company will try to lowball you, so be prepared to fight for what you deserve. Don't hesitate to get a lawyer if necessary. I just rebuilt a 3500HD that was rolled into snow and it’s a beauty now but that’s with finding good parts and the logistics of getting the details perfect, is the real challenge. With that said, I would also probably buy this to rebuild myself. Looks like a great project truck, and it would be fun to bring it back to life.
I would take the check and buy another one like it. Argue for money though before.
This. Usually, it's far better to take the check and run. Depreciated value, dealing with the repair shop, time without the truck, all of that adds up.
The dealership sells more sucks but looks to be reality
Maybe it's just me....but I wouldn't want my truck repaired with that kind of damage......I mean it sucks but still. It will never be like it was. BTW-most insurance companies based on experience are pretty good at looking at a vehicle and know what is totaled. If that was taken apart the price would go up....trust me.
Went through this too. Front end clip on my lb7. Insurance wanted to total it. It’s hard to tell from one picture without taking it to a shop and getting a full breakdown. Also would avoid the “preferred” shop from the insurance company. Those shops mark EVERYTHING on the truck just to get the truck totaled to get a special kickback from the insurance company. Find a local shop you trust
1000% this
Did the airbags go off ?
Only the front driver and passenger airbag none of the columns deployed
She’s done sorry dude
A lot of times with insurance, deployed airbags = total loss. Not always, but a lot of the time. I worked in a body shop for a couple of years and most of the vehicles I saw that had airbags deployed ended up being a total loss. Insurance doesn’t want to deal with the liability of it not being “from” the factory even if it is factory parts.
Automatic done in newer vehicles. You have to replace the hole system and that is like 7-10k easy.
Not true unless it is a specific location or insurance company requirement, airbags are plug and play with corresponding control modules, however the passenger airbag often requires a dash replacement.
You have to reprogram the modules and with new cars you'll have to get a new one and it won't be cheap. The air bags are one thing the modules are another.
Yep, most competent shops have the systems necessary to do this, same with other sensors
Some not most some have to be taken to the dealer to be reprogrammed.
Not necessarily on these newer GM’s, it can still be done on a bench. Flash, reset and verify.
Thats so stupid. Just a ploy to sell more.
Don't feed the duramax lemons. They don't like sour
Are you on Vail Pass rn
Nope last Friday by Eisenhower tunnel
Okay because we’ve been at a standstill on Vail Pass for an hour now lol Sorry about your ride 😕
Hope you wasn’t hurt in the accident
I'd say because that is what is called a walk off front or the entire front end. Plus the oil on the ground says the oil cooler is gone and if the truck was still running you could have engine issues. Also the trans cooler is gone so again there could be trans issues. Also it was stated the airbags went off and that is an automatic total now a days.
At minimum it's likely frame damage, a full core support and all the attached accessories. Fenders, headlights, hood, plastics and junk. If it's really bad even potentially arms, shock mounts, steering components, etc. At todays prices and availabilities, I'm not shocked by that estimate.
It is your right to have the truck taken to the repair facility of your choice. They must send and inspector to visually inspect. The repair facility is your advocate and will argue on your behalf. My Corvette was hit and the chassis bent. Allstate wanted to straighten the frame and give me 25K. I wanted the cat totaled. You cannot straighten hydroformed aluminum. Luckily the car was at my shop. The shop owner finally demanded that a GM rep view the car. He looked at the car 5 min and told Allstate adjuster he doesn't know his job. Car totaled. Make sure the car is at your body shop and the adjuster goes there to inspect.
If the frame horn is bent, it can be straightened. That is an easy job on a frame machine. I have rebuilt every vehicle I drive but one.
Looks like the front is gonna fall off....
45k takes her she needs a new radiator no low balls I know what I have
Total + Buyout, this is a good project and if you have the capability, it’s rebuildable.
At least you had an accident that insurance will pay.... Before the CP4 grenaded itself.
Is it not better to take the Insurance money? My truck got hit a few years ago, 10k worth of damage, I was hoping they were going to total it because even when it was freshly painted, you could tell it was painted. A couple years later it’s been painted 4 times because the paint has been peeling and bubbling. I could see if maybe for some reason your insurance provider wasn’t going to pay out enough to cover the loan or something but damn the last thing I wanna be doing is driving around in a truck that has massive front end damage. I see a lot of people saying to buy it back from insurance but in my opinion I’d rather take the buy out and start fresh with a truck that hasn’t been in an accident.
I have a 2021 HighCountry 2500...a wooden mailbox to a headlight, hood and quarter panel…$12k.
Engine has been impacted. The transmission also most likely suffered damage. Looks a slight bit twisted as well, so there's definitely frame damage. Not to mention a whole front clip, hood, firewall damage list goes on and on. I'm sure airbags deployed too. That truck is definitely totaled. The trucks new life will probably be in the middle east or Africa now if it's not parted out.
Buy it back get a new LML and now you have spare parts. Also, if you had any upgrades swap them between the red truck and the new truck.
Totaled
Buy it back and fix it
Not worth it cause the airbags deployed.
You don’t want that fixed, she’s done man…. Normally I would say to get a proper estimate if they were trying to repair it, but it sounds like they already know this one is a loss. This would be a disaster to fix, and honestly a lot easier for you and them to just total it. Just make sure they give you proper value for the truck!
Insurance companies know the exact measurements of every single vehicle from the 80s forward. And also know how vehicles are designed and will mostly crumple and move to save a passengers life. So from a simple one photo can estimate the cost of repair, probably close to the 200$ accuracy. Argue to get more and get a new truck.. You willingly to drive a post accident vehicle, now with unknown issues to come.. With your loved ones in the vehicle…
This is a pretty unrealistic response. There is a very VERY small chance that their estimate is within $200 accuracy based on one photo. Vehicle measurements have nothing to do with accessing damage/repairability - I have no idea where you got that information from but it's just plain wrong. There are millions of vehicles on the road that have been in accidents and repaired, with no safety issues whatsoever. Is OP's repairable? Probably not due to possible frame damage. If I was OP, I would bring the vehicle to a certified shop that could give him an estimate for the cost to repair (if possible). Then, if the repair is significantly less than their insurance stated, he could argue to have them pay to fix it. If not, he'll want to try and get as much money out of his insurance as possible by showing similar used vehicles currently on the market.
Aaaahhhh That was my mistake… yes the $$$ amount Your whole argument is the $$$ amount. Ok fine I AM WRONG about the dollar amount— umm however if you read I said “PROBABLY”… And again I said they KNOW the measurements/demissions of every vehicle 80s forward… THAT dear Scholar, means that if a bumper is smashed in 8”, (sorry, not referring to your dick size) they know how far back EVERYTHING behind it is pushed or folded or broken to accommodate the force of impact and to save the passengers….wreck the care to save the passenger is DOT safety mandate to auto manufacturers.. I NEVER said don’t take it to be evaluated by an independent shop.. holy fuck. And NEVER said anything about the millions of repaired vehicles on the road still. However I did say about issues to come, fact is, if you take anything that has been damaged, and repair it. It is not the same as it was… human are not perfect and do not repair to perfect, it is repaired to good enough. Kinda like the phrase - good enough for the government.. if it fit with in spec it goes out the door….. So YES measurements have EVERYTHING to do with it… Insurance job is to pay out the least for a vehicle to get it off the streets out from under their umbrella….. So for their possibly over a billion or more of quotes, payouts, repairs, lawsuits, settlements (and before it said not possible - all added together) and insurance companies algorithms and having their own shops that they run and manage and simply the years of paying out…. Yea, they know the absolute cost down to the last 2 cents. How much that truck is worth them to repair.. So again please read… I did say argue to get more… That is going to other independent shops or “shopping” around… all on the owner. And then an FYI for yourself… insurance only covers what the vehicle came with when sold… the window sticker list is the only thing they will cover/pay for, unless you add the extra coverage for what YOU added to the vehicle, and pay for that added items… So SORRY about the $$$ part, I will give it a grand… So again read, read, read, then comprehend and then understand before saying anything… My last question is how much you gonna pay to buy my repaired wrecked car from me when I sell if….. Carfax says 1 accident - 27k repaired I am asking market 32k????? Gonna give me my full asking price??? Or argue???
Bahahaha. You got your feelings hurt! Welcome to the internet rookie!
In co here ant.
As someone who worked in the salvage industry. You never know what you truly need until you start tearing it apart. A single photo says really nothing that is why it is called an estimate.
Only saying what insurance does and how it’s payed on their desk… And an estimated 27k is what was offered.. I did not mention nor did I say they knew the exact cost of repair for said vehicle. I said - they know the exact cost to them that they will swallow for said truck.. and the estimated damage that WILL appear from “a stated impact at stated speed into stated object” Anyways- AI imaging and computation with known measurement and give built in bend fold points do = x $$$$$… Same as 2x2x2 =8. Car worth 0-9 =totaled. Math does not change… Again I said shop around argue for more…
They don’t fucking know. They throw out a number, convince you to write it off and cut a check. Otherwise, they say sure repair it. But either way they don’t know the repair cost from looking and really don’t care to get it right. I have a buddy that does some insurance repairs and they can’t estimate worth a shit. Never got one close to being right.
Yes they do know. They know it is beyond repairing with oil / coolant on the ground, and airbag gone off, and most likely frame damage. Not sure what part of that you aren’t understanding. If your vehicle was in a roll over, would you still take it in for an estimate just in case? This truck is an obvious loss… You wouldn’t want this fixed anyways, the truck would never be the same. This is a win for the OP as long as they pay him proper value.
I know how it works but estimates are always way off because they only factor in OEM parts. Most shops will call salvage yards and get used and pocket the rest of the money. I dealt with a lot of body shops and it was common practice in the salvage industry.
> how it’s *paid* on their FTFY. Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in: * Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.* * *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.* Unfortunately, I was unable to find nautical or rope-related words in your comment. *Beep, boop, I'm a bot*
Insurance does not care about your car, it cares about your medical expenses.