Welp, CHEWY died

815am PST, guy in 2 lane cut across me at 1 lane

 

Rip, hope you're okay. I'm guessing the dmv is just giving out drivers licenses to anyone nowadays.

 

It’s California, you don’t need one. Or registration. Or insurance.

The guy who hit my wife’s Jeep two years back wasn’t insured.

 

Thanks man! Yeah he looked real surprised when I t-boned him.

 

He's insured. And in Cali if you're not insured, that shit will change your stars.

 

That sucks, RIP Chewy.

 

Dude. That sucks.

 

That sucks. Make sure you take all you extra stuff off the vehicle before they total it and haul it away.

 

Damn. Sorry.

 

Good point. Any reason I should leave them on for the assessor?

 

not unless you have aftermarket parts coverage

 

That Baja designs passenger fog looks like it faired well.

 

Good fuckin' eye there, dude. Yeah, bezel is cracked and mounts are twisted, still ready to go though!

 

With the current market price of 4Runners' the insurance company may make the determination to repair the truck.

 

That's a great point. I have a collision place I know that'll do a great inspection. I'm not fucking with a bent frame on a 2020 with 12k miles.

 

No airbag deployment so very possible, but I’d bet my money on totaled. Mine had less damage and it was $15k

 

God damn it!!!!!!

 

Happier times

 

@MeefZah just got the plates this weekend lol from 8 months ago. I was done modding. But, you woulda been proud. I got the video from the neighbors house of this gentleman's fuckery. It's glorious and damning.

 

That stinks! Hope you can get a new one

 

Money is money, I'm not rich but I make it work. The part that stinks is I did all my own work on it, save the wheel balancing.

 

Assuming the other driver's insurance company is covering the repair cost, you shouldn't need aftermarket parts coverage as that is on your policy, not his. Make their insurance company reimburse you for replacement value of all the accessories. Provide receipts. Depending on your insurance company, sometimes you can engage your agent to help advocate for you in these discussions as he/she knows the industry and has a vested interest in helping make sure you are made whole.

 

A stock 2020 ORP with ~12k has a current retail of ~$49k, the current rule of thumb in todays market is the vehicle would be listed as totaled if the repair cost comes in at over 80% of the retail, or ~ $39k. I just went through this with my daughter's car. I wanted the car totaled but Progressive told me they wanted it repaired. The repair cost came in at 68.75% (3 quotes) of the retail value so I was forced to have the car repaired. It suck's as now I have a car that's reduced in value. I wish you all the best in getting the best outcome.

 

Nooooo!!! Faaack. Glad you’re here to be able to post about though.

 

Ouch! Sorry to see that happened.

let me know if you plan on selling any accessories. I’m in Vacaville

 

Oh nooooooo I’m so sorry! Glad you’re ok though. Sending all the good vibes your way.

 

The vultures are already circling the carcass...

 

Please tell me you had a dashcam. If that invertebrate pinky toe sucker lies to his insurance, then you will need to pay your deductible and wait for them to subrogate the guy. Dashcam video is the only way to hedge against a liar.

If he does admit fault then as already mentioned you wont need to worry about aftermarket coverage because they are paying.

Oh and most importantly im glad you are ok. Pain or worse from an accident is terrible.

 

OP, you may be well aware of the following, but I went through a non-fault totaled car in CA recently:

1. IF they total it, you can and should fight tooth and nail with the insurance company over their assessed value. It is a battle, but worth it in most cases. The initial offer on my last S8 was $43k. I got them up to $56k (which was fair) by the time I was done with them. I did not have to hire an independent appraiser, but it almost got to that. They also need to reimburse you for the CA upfront tax on the final assessed value, plus a portion of registration (they will do this automatically, but always best to double check that they did, so as to not confuse their actual offer with a worse offer plus tax etc, if that makes sense).
2. Even if you do not have rental car coverage, it is CA insurance law that his insurance company reimburse you for a rental, and the best part is, you do not even have to rent a car if you have another available. They will cut you a check. This scenario only happens if the car gets fixed.
3. IF they do fix it, you can file a "Diminishment of Value" claim against the insurance company. They will deny they even have a form for "such things", but they do. The formula they use is not really negotiable, but in your case I would guess you would get a check for $2-3k.

PS very sorry to hear about your loss, but glad you are okay !

 

PRINT THIS

As a former auto adjuster in my prior life I could not have written it better.