I know I’ve seen some pretty knowledgeable auto adjusters in this group and I’d love to get your input.
I have a 2017 Ford raptor worth about $32,000 Earlier today I was driving down a highway and a huge piece of steel, actually a leaf spring for a trailer dropped out of the trailer in front of me and bounced down the road towards me. It actually ended up Piercing aluminum frame of my truck directly in between my feet. Pushed up the carpet and broke right through about 6 inches into the cab of my truck. Super happy it didn’t hit the pedal and break my foot.
Immediately took it over to my preferred body shop and ask them about a fix. The issue is there is no manufacturer approved fix for this issue as the floorplan is one piece connected to the cab of aluminum. A new cab is like $15,000 plus the cost of taking out the existing one and putting in the new one is another $15,000 or so. So much for paying out-of-pocket.
Question is how will Allstate handle this? What is an auto insurance company do when there’s no manufacture approved repair method for a minor yet very expensive accident like this?
Posted by Glittering-Salad-337
4 Comments
Based off the point of impact and where all the damages are this will be under your collision and more than likely an at fault accident.
They could total it out. State has a threshold but insurance can total it before the threshold is met.
So, a manufacturer may not have great or specific repair processes because, shockingly, A LOT OF THEM DON’T for body work! But there are companies like All-Data that typically would be the place for a shop to go for repair procedures, etc. Sometimes a manufacturer will have a bulletin saying “don’t section this” or “you can only replace this here” which typically insurance would follow assuming it is in writing.
Even so that sounds like a $$$$ repair job so it may end up totaling regardless.
Also I loathe when shops just ballpark figures to customers. They have an estimating system that spits out numbers, stop making it up.
no repair procedures typically for the cab/floor. its typically serviced as a uni and 1 piece or welded together panels. if the damage isnt to severe and the shop cannot find any input from ford on how to repair it-well weld up and patch the floor is it.
Take it your dealership if they have a good bodyshop and let them hash it out with Allstate.