Body damage on the side of my truck / Insurance question

noupf

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Curious if anybody can give me some pointers or advice when the insurance adjuster comes by.

A tow truck driver was parked next to me in a parking lot. He pulled out of his spot and the back corner of his truck swung in and ripped up the side of my Ram. Clearly misjudged how much swing remove he had.

It clipped the dear door and pillar and really ****** up the side of the bed.

I have no idea what sort of repair job the body shop will do. Will they / can they replace the bed? Will they simply try to pull it and bondo it? Same goes for the door and pillar.

I’ll be using a very good and reputable body shop locally, but I want my truck repaired properly….mainly the bed being replaced.

Thoughts / advice on how to get this done properly and not get ****** around?

Thanks.
 

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OC455

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ME personally, I'd want the whole rear door replace, and the whole bed....fix the cab.

My Dad had a deer bounce down the side of his Toyota Tacoma one year. The replaced the outer rear driver's side door skin and fixed the bed. Every where they fixed it, it rusted out. It was a good repair from what I could tell...i
 

bcbouy

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no chance will your ins let the body shop replace panels if it can be pulled/repaired.unless you are willing to cover the difference.i had similar damage,but way worse, a few years back and it was a little over 10k can. to fix.i couldn't tell where the repair was.
 
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16Ram4x4

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Personally I would have the whole bedside panel replaced. Replace the whole rear door. Have the cab dent pulled, filled and painted. His employers insurance company is paying for the repairs. Have them do the repairs the right way and at a body shop that you know and trust. Plus if you need transportation during the time your truck is in the shop, have them pay for a rental car.
 

noupf

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Personally I would have the whole bedside panel replaced. Replace the whole rear door. Have the cab dent pulled, filled and painted. His employers insurance company is paying for the repairs. Have them do the repairs the right way and at a body shop that you know and trust. Plus if you need transportation during the time your truck is in the shop, have them pay for a rental car.

Just spoke to a friend, he thinks, like you stated, the side of the bed should be its own panel and can be taken off and replaced.

As for insurance, yes its the tow truck companies insurance provider ( progressive ) that is responsible for every last penny of damage as well as providing me a loaner.

Im just trying to figure out how to handle the adjuster when he comes by. I of course want everything replaced with new parts, and want as little to be pulled, filled and painted. Should i be forcefull with the adjuster or just let them do their thing with little input from me and then talk to the body shop i plan on using. I know the isurance company is going to want to spend as little as possible and skimp out where ever they can.

Thanks Guys
 

RamInfo

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I wouldn’t even talk to the adjuster until you have an estimate in hand from the body shop you want to do the work, done the way you want. The adjusters usually start somewhere around a bondo fill with an Earl Scheib paint job and have to be forced up from there.

best,
DG
 

noupf

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I wouldn’t even talk to the adjuster until you have an estimate in hand from the body shop you want to do the work, done the way you want. The adjusters usually start somewhere around a bondo fill with an Earl Scheib paint job and have to be forced up from there.

best,
DG

yea i was almost thinking that this would be the route to go. Get a couple estimates first to see how "out of the ballpark" the adjuster starts out at.
 

Rlaf75

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I would bring it to the body shop that you plan on having do the work and let them deal with the insurance company. The adjuster is going to come out and give you the least amount of money THEY think will take to fix it. The adjuster will basically cut the check and leave. Once you cash that check the insurance company considers the case closed and it will be difficult to get anymore money out of them when it takes more than they gave you to fix it. Again, let the body shop deal with the insurance company and DO NOT cash any check the insurance company gives you until you are satisfied with the work
 

GTyankee

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Do your research on a body shop, ask friends who they used & their satisfaction rating

That cab corner is called a "C" pillar

A good auto body shop could either repair or replace a door, A repair would depend if the damage had rounded damage or sharp edged damage.
Sharp edged damage can be repaired with a Door Skin

The bed can be replaced or they can fix it using a skin, maybe even an

2009-2015 DODGE RAM PICKUP REAR UPPER WHEEL ARCH DRIVER’S SIDE, which is just an after market upper panel​

similar to this
You must be registered for see images attach

The door & bed skins don't cost much
But they involve a lot of labor, cutting, welding, painting

By the way, once a body shop gets into a repair, they can find unseen damage, & they call the insurance company & inform them that the original estimate price has risen

complete beds run about $1500, not counting shipping costs
 
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Moose2

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My insurance adjuster gave me a very good estimate, right on par with dealer estimates except dealer had discrepancies in their estimate on what needed done. Adjuster said new top, dealer said no new top, but new back glass and other stuff that wasn’t needed, as well.I had my local shop do the repair off the adjusters estimate. Body guy had worked in the insurance industry over 15 years so knew the ins and outs as well. If he would have found more he would have filed an amendment, with pictures and the insurance company would cut the check. Interestingly, body guy was able to do the job without cutting or filling, or replacing glass. New hood though. Good as new and only had to pay partial deductible. We all happy.
 
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