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post #16 of 23 (permalink) Old 06-29-2016, 02:08 PM
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is the bed knocked out of alignment in any way? Its hard to tell from the pic where the bed meets the cab.


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post #17 of 23 (permalink) Old 06-30-2016, 04:37 PM Thread Starter
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Originally Posted by Jaj23 View Post
Looks like some paper, a phone, and a charging cable.
Probably the phone he was staring at when he went into the back of me! The policeman told me he was probably going to jail after the hospital. Apparently he had a little heroin on him. Also, he had no insurance. So, good dude...

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post #18 of 23 (permalink) Old 06-30-2016, 04:50 PM Thread Starter
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I can't tell from the pictures, but damage looks very similar to when I was rear ended in a 2010 F150 work truck. I was doing 15-20 mph due to an idiot crossing 5 lanes at once about 400 yards ahead. All cars in front were slowing.

Anyways the guy behind me slams into me at 60mph, he was texting on his phone.
His S430 Mercedes was a write off, F150 looked okay, minor bumper damage, some rubbing on the cab from the bed.

Took it to one body shop who said it was fine, just needed a bumper and hitch, boss went to another shop and they actually showed him where the frame "wrinkled". Truck was a write off, boss didn't want to chance it with a weakened frame.

I'm no body shop expert but I would highly recommend getting a 2nd or even 3rd opinion about the damage that can't be easily seen.
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Originally Posted by Warrior67 View Post
When I was rear ended. The frame rails were tweaked because of the impact on the trailer hitch. So, I would say there is a really good chance you have frame damage.
The body shop that did mine, didn't realize the frame issue until they went to remount the bed and the bolt holes wouldn't line up.
Impact on the hitch had caused frame rails to twist in.
Good news is, they were able to straighten mine and it's never been an issue.
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Originally Posted by txchuck View Post
With the bed making contact with the cab, you definitely need to be concerned with frame damage.

Like a few have said, go to multiple shops. I will be genuinely surprised if all shops say the frame is good based on that last picture.
All good advice, will definitely get a few appraisals. Thanks!
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post #19 of 23 (permalink) Old 06-30-2016, 04:55 PM Thread Starter
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Tell the insurance adjustor that you want a "diminished value claim" to be covered, especially if there is frame damage. Carfax will show most structural damage has being a safety related issue. There is a warning right on the report that the part that was damaged and repaired could effect the safety and reliability of the vehicle, and that diminishes the amount you can then get when selling or trading in the vehicle, even though the vehicle was repaired. The accident wasn't your fault, so you should receive compensation for that reduced value. It might not be a claim you can make in your state, but it is recoverable in most states.
This is something I probably should already know about, but didn't, so thank you! Is it generally a separate claim than the accident claim and at what point is the diminished value claim filed? Now, or after the repairs are finished?
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post #20 of 23 (permalink) Old 06-30-2016, 04:58 PM
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Originally Posted by Jeecups View Post
This is something I probably should already know about, but didn't, so thank you! Is it generally a separate claim than the accident claim and at what point is the diminished value claim filed? Now, or after the repairs are finished?
How to make a diminished value claim - NASDAQ.com

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post #21 of 23 (permalink) Old 06-30-2016, 09:34 PM
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ouch that sucks.


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post #22 of 23 (permalink) Old 06-30-2016, 09:47 PM
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Originally Posted by Jeecups View Post
Probably the phone he was staring at when he went into the back of me! The policeman told me he was probably going to jail after the hospital. Apparently he had a little heroin on him. Also, he had no insurance. So, good dude...
I've been driving for 25 years, my wife for 22 years. Neither one of us has ever been in an accident in which we were at fault.

Accident 1) Other driver pulled out in front of me when trying to turn left across 4 lanes of traffic. Driver fled the scene on foot and was never found. Car was registered to a white male, but driver was hispanic male.

Accident 2) Same exact as accident 1. Driver gave me false name and insurance info, then fled scene before police arrived. Identified her later in a photo lineup. She was a wanted criminal.

Accident 3) Wife was rear ended while stopped at a red light. Teenage girl was texting. She had insurance.

Accident 4) Wife was rear ended by a guy in a rental car he was driving because he was in an accident the week before with his iwn car. He cooperated, but left before police report, then later lied about the whole thing saying my wife threatened him.

We live in a world of dishonest people. Make sure you have your bases covered.


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post #23 of 23 (permalink) Old 07-01-2016, 12:05 PM
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Originally Posted by Jeecups View Post
This is something I probably should already know about, but didn't, so thank you! Is it generally a separate claim than the accident claim and at what point is the diminished value claim filed? Now, or after the repairs are finished?
Here in Virginia, it is not an entirely separate claim, and I don't think it would be in other states. You are just pointing out to the claims adjustor further "damage" that you have sustained as a result of the accident. The adjustor isn't just going to volunteer to pay it, he hopes you know nothing about it, you need to ask for it.

Tell the adjustor that you know that when you go to trade in your vehicle, they will pull the report that shows structural damage, and it will state exactly on the report that "structural damage may impact vehicle safety and reliability”, and as a result no dealer is going to give you the same amount for trade in than if this wasn't on the report, and it's the fault of "their insured" that this is now on the report. The more he knows you know, the less likely he/she will try to get around it. This isn't like a "pain and suffering" type of loss that is often used to pad the figures as a scam. Your vehicle is now worth less, even after repairs, than it was prior to their insured having rearended you, it is a real financial loss to you which was of no fault of your own.

It isn't damage the insurance company is likely to cover without a fuss. That is why I said if it has frame or structural damage, then you should definitely ask for this part to be covered, as your vehicle will have more of a diminished value than simply removing a dent or scratch out of a door or bumper which wouldn't be worth the effort. You may have to "squeak" a bit to get it covered, so don't take no for an answer the first time, but be friendly about it. People want to help someone who is being friendly much more than they want to help someone who just lit into them. There may come time for that as well, but try friendly for awhile. Please let me know if it worked out for you, I'm curious.
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