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post #16 of 30 (permalink) Old 12-11-2012, 12:58 PM
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I'm right there with you on the ic bumper not being flush, or even close for that matter. Why not do the ome (old man emu) coilovers to accommodate the weight of an hd bumper? Seems to be a common set up for our trucks. Just food for thought!


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post #17 of 30 (permalink) Old 12-11-2012, 02:11 PM Thread Starter
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My modding is on slow schedule (4 children) so I was hoping not to have to worry about suspension for a couple of years.

I left my truck at a local body shop (for estimate) that does a lot of insurance work for my insurance company. I told the guy about an after-market bumper plan and he was not at all encouraging. He told me that the insurance company (Allstate) usually wants everything replaced with Toyota parts and he didn't think they will allow substitution. After-market parts alters the dynamics of the vehicle so insurance companies don't like them. He will get back to me, he said.

I see people installing after-market bumpers in situations like mine. What's the trick? Any advice?

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post #18 of 30 (permalink) Old 12-11-2012, 02:22 PM
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So...your insurance is covering it? At a minimum, you need to at least get another quote. As far as I know, those are your rights. There's some guy around here, Trekken, I think, not sure, that knows all about that insurance crap.

Once, I took my wife's expedition to wal-mart for an oil change. The dumbasses backed her car into another vehicle, and messed up her bumper a little bit. I was put into contact with their insurance company. I got 2 estimates, and they cut me a check for the lowest estimate. They sent me a check for over a grand. I turned it into toy money, and never painted the rear bumper (which was barely noticeable).

Another time, I wrecked my sport bike. Got some estimates and sent them in. My insurance company at the time cut me a check. I ordered all the parts I needed off ebay, etc., and repaired the bike myself, so I pocketed labor costs, and saved money from what the motorcycle dealership wanted to charge me for the parts.

Not sure why your insurance company would DEMAND how you replace/repair it. If I were to be a skeptic, I would guess that the body shop guy would make more profit somehow, if you get him to order the OEM parts and repair it, rather than using your insurance check to order whatever the hell you want, and put it on yourself
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post #19 of 30 (permalink) Old 12-11-2012, 02:39 PM
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i just took my front bumper off ill sale it if your interested?
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post #20 of 30 (permalink) Old 12-11-2012, 03:10 PM
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Originally Posted by chphilo View Post
My modding is on slow schedule (4 children) so I was hoping not to have to worry about suspension for a couple of years.

I left my truck at a local body shop (for estimate) that does a lot of insurance work for my insurance company. I told the guy about an after-market bumper plan and he was not at all encouraging. He told me that the insurance company (Allstate) usually wants everything replaced with Toyota parts and he didn't think they will allow substitution. After-market parts alters the dynamics of the vehicle so insurance companies don't like them. He will get back to me, he said.

I see people installing after-market bumpers in situations like mine. What's the trick? Any advice?
depends on who holds the lien. If the bank holds the lien, then it is technically their truck so they would want oem. If you own the title, then insurance cuts you a check and you can tell the body shop to pound sand.
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post #21 of 30 (permalink) Old 12-11-2012, 03:16 PM
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Ahh...that might be it Both vehicles I had claims for didn't have a lien....
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post #22 of 30 (permalink) Old 12-11-2012, 05:22 PM Thread Starter
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i just took my front bumper off ill sale it if your interested?
Thank you for the offer. Now my insurance company is not paying for my bumper, I will have to wait.

I think the statement about the lien holder is correct. I will just wait until 2 more years until my truck's all paid off. I think I will get both OME suspension and bumper at the same time. Then I wouldn't have to worry about the weight of the bumper.

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post #23 of 30 (permalink) Old 12-11-2012, 11:00 PM
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Bummer bro! I'm kinda going through a similar situation (brother wrecked my truck) it's at a shop right now... Should find out tomorrow!

Why isn't your insurance covering the cost??


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post #24 of 30 (permalink) Old 12-12-2012, 12:52 AM
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The lien holder should only have a say if the vehicle is totaled, at which point the lien must be paid off prior to giving you any money. They have no say in your repair and, unless your state is different, you should be able to just get a check and do what you want with it. Allstate should never even talk to the bank.

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post #25 of 30 (permalink) Old 12-12-2012, 01:04 AM
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Buckstop!! That'd be my choice. I'd be jealous!
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post #26 of 30 (permalink) Old 12-12-2012, 09:21 AM
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dang my friend, that is a lot of damage...

good to read noone got injured..!!

any pics of the other vehicle..??

i have no advise on the bumper since we may only have a stock bumper in our country...

having 4 kids and no rush for serious modding, i'd go back to what you had, have the bullbar and lights again and perhaps have the fender flares painted...

good luck, i hope it all works out for you..!!

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post #27 of 30 (permalink) Old 12-12-2012, 10:00 AM Thread Starter
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My insurance company will cover the cost, but not for the after-market parts. Actually, this shop is the most reputable shop (and also expensive) in town and Allstate will not even ask for another estimate.

I am thinking exactly that, dikkie. I was happy to see how well the oem parts held up, considering the other car's probably totaled. I am still waiting for their estimate though. Apparently, the local deer population is contributing to high accident rates lately and the shop is back-logged. No hurry. I am off from work for about 3 weeks.

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post #28 of 30 (permalink) Old 12-12-2012, 10:03 AM Thread Starter
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Buckstop!! That'd be my choice. I'd be jealous!
I checked their website. They have some awesome products. Do you know if your hood could be opened with their grille guard in place.

I like the ARB Sahara bar's design. I think their hoop simply tilts forward.

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post #29 of 30 (permalink) Old 12-13-2012, 01:00 AM
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Man, I'd probably say that yeah you can open up the hood given the rake of the bull bar up front. If it went straight up, probably not.

They are sweet bumpers. REALLY wish I could buy one.

-rockstate
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post #30 of 30 (permalink) Old 12-26-2012, 04:29 PM
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If your insurance is like mine it works like this.

1) Accident.
2) Call company.
3) They send claim adjuster. Reviews damage, makes suggest on on repair costs.
4) Insurance company deposits money for repairs.
5) You take truck to body shop. They review damage, anything not originally seen by the adjuster warrants a call to the adjuster by the body shop. Damage re-evaluated, if additional costs the money is deposited.
6) Body shop fixes what you want them to. (Just tell them not to buy the OEM bumper, instead put "X" on instead). I'd have them fix the body damage and leave the bumper alone... then mount it yourself

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