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Dealing with auto insurance on a totalled Vehicle(Help please)

  • Thread starter Thread starter shrimp poboy
  • Start date Start date
S

shrimp poboy

Guest
Ok with out going into all the specifics just yet last Tuesday I totalled my truck(Yes I was Fucked up)My POS Ranger is Beyond repair and My Insurance company is make the assesmant now.I did have full coverage with a 500.00 deductible but no renantal car Im paying that out of pocket.Now This was a 99 ford ranger that was in great condition(Believe it or not)But did have 140,000 miles on it.Do i just get market value?Im lost And need help(PLEASE)Sorry for not posting lately just been putting out a Fuck load of fires from a 2 day bender(See Thread #2)Thanks in advance.
 
shrimp poboy said:
Ok with out going into all the specifics just yet last Tuesday I totalled my truck(Yes I was Fucked up)My POS Ranger is Beyond repair and My Insurance company is make the assesmant now.I did have full coverage with a 500.00 deductible but no renantal car Im paying that out of pocket.Now This was a 99 ford ranger that was in great condition(Believe it or not)But did have 140,000 miles on it.Do i just get market value?Im lost And need help(PLEASE)Sorry for not posting lately just been putting out a Fuck load of fires from a 2 day bender(See Thread #2)Thanks in advance.
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I pretty sure it's standard practice for the insurance company to replace your 99 Ranger w/140 k miles with a new 2010 F150 XLT Lariat
 
PICK3 said:
If you don't want sarcasm maybe you shouldn't abandon me

just sayin'
Click to expand...

LOL at abandon you i was in tears trying to get mods to go fetch you and bring you over to my Hangout which you once a fuckin gain stood me up at.
 
You are only going to get market. GAP insurance is a must. It sounds like you don't have that though right? Sorry!
 
PhoenixS said:
You are only going to get market. GAP insurance is a must. It sounds like you don't have that though right? Sorry!
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GAP insurance only applies to financed vehicles. Since his ranger was paid for he wouldn't have it and couldn't if he wanted to. :)
 
miplank said:
GAP insurance only applies to financed vehicles. Since his ranger was paid for he wouldn't have it and couldn't if he wanted to. :)
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Ok obviously mitch is the only bro here that knows what the fuk is up do i have to agree with what they want to give me or can i hold out for more.
 
shrimp poboy said:
Ok obviously mitch is the only bro here that knows what the fuk is up do i have to agree with what they want to give me or can i hold out for more.
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no, you can't hold out for more. I'm not sure "which" book they will use to value your truck at. You can get an idea for yourself by using nada.com and kbb.com


If you like, I can look up "fair market value" for your region of the country. If it's higher you may be able to talk them into giving you more. Can't guarantee it though.
 
99 ford rannger xlt sport ex cab w 132,000 miles 6 cyl.Insurace is perm general with collision and liability w a 500.00 deductible.
 
Also mitch if i get 4gs and i match it with 5gs cash(With horrible credit)Would i have a chance in hell to borrow another 5gs?I want a 08 ram 1500 quad cab if possible.
 
shrimp poboy said:
Also mitch if i get 4gs and i match it with 5gs cash(With horrible credit)Would i have a chance in hell to borrow another 5gs?I want a 08 ram 1500 quad cab if possible.
Click to expand...

yeah, probably. Although there is no way you're finding any decent '08 quad cab rams for 14gs. :)
 
I actually just took a quad cab dodge in on trade, but it's got 92k miles on it. Pry just gonna run it through the auction.
 
how about something like this?

xatpqr.jpg
 
I didn't show you any rams...I just sold my last one yesterday. Well, I do have that one I just took on trade but it isn't out of the detail shop yet.
 
Not if its more money but send me the pics.Btw here are the sites i need you to look at and i'll walk you over the phone. w it.Cant do it here shoot me a mail now please.
 
shrimp poboy said:
99 ford rannger xlt sport ex cab w 132,000 miles 6 cyl.Insurace is perm general with collision and liability w a 500.00 deductible.
Click to expand...

I would fight for more money, $3,000 sounds low. In my experience :( the rule of thumb has been to give proof your truck was worth more. Autotrader.com has several trucks listed in your mileage range, one was 137,000 m for 7,900. It didn't say if it was a v6. Submitting receipts of work done or pictures can also prove your case. Good luck with that.
 
shrimp poboy said:
Ok with out going into all the specifics just yet last Tuesday I totalled my truck(Yes I was Fucked up)My POS Ranger is Beyond repair and My Insurance company is make the assesmant now.I did have full coverage with a 500.00 deductible but no renantal car Im paying that out of pocket.Now This was a 99 ford ranger that was in great condition(Believe it or not)But did have 140,000 miles on it.Do i just get market value?Im lost And need help(PLEASE)Sorry for not posting lately just been putting out a Fuck load of fires from a 2 day bender(See Thread #2)Thanks in advance.
Click to expand...

Dude - your deductible = your market value. Why did you keep full coverage?
 
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