Honda takes the words RAM a bit to Literal.

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Brenden1138

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Just because it says it does not mean you do it!

18 year old ran a stop sign without his lights on and T-Boned my 2008 ram 1500 on the drivers side, I made it out OK and so did he.

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When Plastic hits metal
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Witch

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Yikes,

Glad everyone was ok
 

Demon-HeMi

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well since this is your first post.... WELCOME!!!!


now onto your post lol, looks like you got lucky and got a low speed t-bone, but since you obviously took a hit on the wheel, go over your suspension with a fine tooth comb for sure!
 
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Brenden1138

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A quick question for anyone that's been in a crash, if they total out the truck how much will his company help me pay for another one? That truck is my baby I got a 2004 Chevy Impala to build a relationship with my credit Union and 3 months later found the truck sitting in their repo lot and i put a bid in on it and got it 2 days before Christmas so if i lose it I'm gonna shed some man tears :sad72:
 

Demon-HeMi

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they give you the blue book value on it, thats it, if you think there is more money needed then it will usually turn into a legal battle with the at-fault driver
 

MADDOG

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I just went through something similar. Your insurance company can recover 100% of your claim from the other driver's insurance company.

They will perform a valuation process, determine the value of the truck based on book depreciated value, pay off any lien on the truck and hand you the difference. Don't forget to ask for your collision deductible to be included in their claim to the other company.

As far as how much they will help you to buy another truck, they are only obligated to pay depreciated value and leave you to figure out the rest.
 

lharrell79

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If they total it, they will give you a low ball blue book offer. The offer is usually insulting. You do not have to accept the offer immediately. If you do not like the offer, call you insurance company and ask for their advice, and what they would offer in the same situation. Next, find prices on similar vehicles for sale in your area. When you call his insurance back, let them know that their offer is unacceptable for reasons X, Y, and Z. Give them the information you researched, and tell them you thing a more appropriate offer would be X amount. You can also negotiate to buy the truck back. Tell them you want X amount to total the truck, and you would like to buy the truck back for Y amount. Again, have your research ready.

In the end, you guys will either come to an agreement, or they will tell you to, "Take it or leave it." Then it turns into a legal battle, in which case you would have to determine if it's worth the time or money.
 

Bullitt5339

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Insurance laws vary by state, but here in NC, blue book value isn't really a factor. They use fair market value here. They look at what vehicles in similar shape with the same options and mileage are selling for in our area and base the price off that.

When my wife totalled her SUV, it actually worked in our favor, the only vehicles with the same options were selling for quite a bit over book value, so that's what they compensated us for.
 
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