Thanks, thats what I was looking for!
I only owe 16000 on it but I have absolutely no idea what my ins company is going to offer me. The thing that kind of ticks me off is I wasn't at fault in the crash and I am fully expecting my own insurance company to offer me a low payout.

How much could an 08 depreciate in 1 year and 2 weeks?????

I will be so happy when this thing is over!

 

Your insurance shouldn't be paying anything if the other person admitted fault and has coverage...you shouldn't even be talking to them really. From my experience everything should be handled through the other persons insurance...and they should've got you a rental already. If not chew some ***.

That 08 lost most of it's value as soon as you drove it off the lot...it's sad but in todays market you won't get what your truck is really worth.

 

woow man what was that girl driving....a TANK??!!!!

 

I am not an expert and do not want to sound like one. I would say the front clip and the air bags are going to total it. Do not accept the first offer from the insurance company. They are going to lowball you. Do a little ground work. Get the NADA and KBB prices for it. Then get some prices for another truck just like it. Oh and if you have anything special you put on it take it off befor the insurance people look at it.

 

Most of the time what will happen is your insurance will take care of you first (even if it was not your fault) they want you as a customer of thiers to be happy. So they will do everything just like it was your fault. Then the money offered to you is less your deductable. Once they make you whole again they turn around and go after the at fault persons insurance. Most of the time that amount is near double what was offered to you. The reason being they have to pay for lawyers, employees, rental cars, etc. that worked with you. When the other insurance pays your insurance you will get a check for the deductable amount. At least this is what happened with me when a semi totaled my first ram.

 

Thank you!
I hope they call today, I want to go put money down on an 09 Of course the crash happened on the 24th and I've been w/o a truck for over a week now!

 

i seriosly hope they give you what u want. Been there done that with the insurance companies. i ended up getting a lawyer to handle all the hassel from the other insurance company. Turned out to be the best idea. also got some nice extra money sweet.

 

Insurance Companies never use Book value when they research the value of your vehicle unless you have a rare vehicle. They usually pick 3 real close matches, adjust price accordingly for their exras or yours and then takes the middle number. This all goes off of the Private market value! Most people who put lots of money down on their vehicles and have a crash within the first year always get screwed because the GAP insurance is null and void since they are below the vehicles value already, meaning they have equity in their vehicle and owe les than what it's worth.

I had a woman buy a car off of me back when I sold them. It was a brand new 2001 Grand Prix GT Limited Edition. Sticker was $34k, she paid $32k. She paid in full with cash. 3 days later a drunk driver creamed the side of her and the insurance company totalled out her car. it was in real bad shape. She was unharmed and cam in and wanted to buy the exact car which would have been a special order and if they would even make any more (limited quantities). The insurance companiy gave her ONLY $24k for her car that she had paid $32k for just 3days earlier. Now, if she had financed and purchased the GAP insurance, she would have only lost the sales tax and down payment, which is still bullcrap. Losing sales tax on that much especially when your buying another car just like it. What a scam. It should be prorated atleast.
Anyways, If they total it, your gonna get screwed so just turn around, pull down your pants and bend over!...

 

that's what I thought because that is a lot of damage to a truck but i think in one of the pictures it said an explorer so it was a decent sized vehicle, gotta think about how fast they both were going when the vehicles collided too i guess...that's a lot of damage

 

UUUUGH!!!! You're not helping my stress level. Its a good thing the hospital gave me some good drugs!

I am preparred to fight with my own insurance company though, I have 3 cars a house and an ATV with them, I will dumb them on their collective azzzes if they start that kind of game playing.