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Unread 04-14-2012, 10:52 AM   #1
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Exclamation Total Loss or Not?

Yesterday my 6-year-old son karate chopped his twin brother in the face and broke his arm. On our way up to the ER I was run off the road and into a guardrail by a drunk semi driver who was too busy paying attention to his texting than driving. Long story short, my son's arm was further broken, my wrist was broken, and my truck has a ton of damage. The trucking company has agreed to pay for whatever damages he caused to my truck (I do have to say my truck came out better than the semi did! Proof of built Ford tough!).

The truck is in for an estimate at the moment and I can't imagine it will be good. I think it's mostly just body damage but I'm not 100% sure, I didn't get a good look other than the pictures I have. Does anyone have any ideas how bad the estimate might be? I've had the truck for almost 2 months, it's a 2009 F-350 with less than 7,000 miles. It was pretty much brand new when I bought it WAY under Kelly Blue Book value. From what I can see the damage is:

Front:
Bumper - needs to be replaced
Grill - cracked
Headlights - left side is gone

Passenger Side:
Front Fender is scuffed
Passenger door is scuffed

Driver Side:
Windows are both shattered
All body panels have significant damage
Mirror is gone

Back:
Tailgate and bumper have significant damage

So I guess the question is, does my truck look like a total loss or how bad do you think the cost of the damage repairs will be?
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Unread 04-14-2012, 11:47 AM   #2
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Judging by the damage on the front corner of the semi, I'd suspect your truck has some serious damage.

Pics of your truck without the semi would be more useful but I'd say it's likely written off.

I seriously advise you to get a lawyer involved! The value of the truck can be established easy enough, but personal injury should be handled by a lawyer.

I would not deal with the trucking company.

Glad you and your son weren't injured worse.
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Unread 04-14-2012, 11:53 AM   #3
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damn not pretty glad everyone lived.
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Unread 04-14-2012, 11:58 AM   #4
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Your truck is not totalled, repairing it would be relatively easy if expensive, but I'd bet money the insurance companies will write it off anyway as they won't want to pay to repair the rather substantial damage done. Repairing it will be between 4 and 6 grand or so, and that's hoping the cab structure isn't bent.


If the airbags are popped 100% chance the insurance will write it off. I can't quite tell from those pics if they did or didn't.
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Unread 04-14-2012, 12:11 PM   #5
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I'd definitely get a lawyer. And assuming the insurance totals it out, depending on the damage you could always buy the wreck back from them and fix it out of the money they gave you, and pocket the rest. You'd have a salvage title, but if it runs
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Unread 04-14-2012, 07:47 PM   #6
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It looks like the frame is probably tweaked judging by the collision damage. How fast were you both going?
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Unread 04-14-2012, 10:55 PM   #7
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Looks like the interstate so probably 55-75
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Unread 04-15-2012, 12:23 AM   #8
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After that level of damage, if they fix it, it will never be the same. Expect noises and groans....I have never had good experiences after a car is massively damaged.
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Unread 04-15-2012, 12:28 AM   #9
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Ditto Lemans I feel the same way not something I would want back
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Unread 04-15-2012, 12:44 PM   #10
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Don't deal with the trucking company. Get a lawyer as they said. When personal injury is involved it's a whole different ballgame. You can get lawyer/legal fees paid by the company, as well as truck costs and doctor costs.


But the truck looks pretty well totalled from where i'm sitting. I'm pretty sure there's frame damage there and you don't wanna mess with that.
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