Update---Truck totaled. 6k miles on it. Help.

[powerboatr]

Let me add a few notes
its your decision and policy
HERE in Texas
you cannot have a wreck go against your insurance RECORD as a fault or ding to increase your rates if you are the one that got smacked. its called no fault clause for a reason
if JOE A runs into and is charged with the incident to JOE B then JOE B cannot be held liable to raise JOE B rates,

farm bureau(FB) is a great company.
IMO as in my case and its your call

I would file claim immediately with FB, get them started on doing their job, of which your premiums pay for.
whether its clearing your vehicle as a total and paying off the loan , or getting it in a repair facility. and if its deemed totaled they will pay off the loan and give you the balance, and if no loan they will send you the balance. easy as pie

the adjuster needs service records and any other things to make sure you get top dollar if you do not have a replacement clause.

then let them go after the other person and their insurance. its what they get paid for
yes you will pay the deductible when the truck is fixed if its fixed.

but that will come back to you when FB goes after the opposing insurance and you will not get DINGED points wise with # of claims per year etc. as long as you are not charged for the accident, they cannot hold it against you as a chargeable claim within xxxx amount of years etc.
you should also be in good contact with your agent, and the adjuster and the main company. ASK ASK and ASK every question...its their job to do theirs. you are not asking them to do something, your premiums already PAID them to do the 100% best of their job/responsibility


i hearken back to the ambulance chasers commercials... always preaching about contacting the other guy...and having to wait on them to respond...
NOPE ..no reason to even speak to the opposing insurance company EVER
even if they just want a statement.. NO NEVER EVER do that without an attorney and NEVER EVER do it over the phone, just direct them to your insurance adjuster and claim investigator and they will speak on your behalf and they will get your statement and work for YOU .
i have had 3 incidents in Texas. all 3 FB stood up and did 100% and made me whole. and NOT once have these incidents showed up on my insurance as claims against my driving record, for insurance or state records.
i hope it works out POSITIVE for you



lastly
find a different dealer. there are many out there that want to find you the exact replacement
i bet one advertises here.

they can access ford nationwide inventory and build and tell you exactly where the truck you want is located

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[UGADawg96]

My recommendation would be to file the claim against your insurance carrier and have them subrogate against the other driver's carrier. Your claim would utilize your collision coverage and if your carrier recovers, you should be able to get your deductible back.

I am sorry that this happened to you and I understand what it is like to total a new vehicle - having done so back in 2018 with a Ford Fusion Hybrid with 140 miles on the odometer.

When we were rear ended last summer (mentioned a few posts back), our insurance company took care of it 100% and did not force us to pay the deductible. That was well before they got reimbursed (via subrogation) from the at fault driver's insurance company.

 

[Big Cam]

Minimum liability requirements is why I always have full coverage on my own vehicles up to or more than it would cost to buy a new one.

Don't want some under insured, or in your case legally under insured person to prevent you from being made whole.

 

[Kodiak]

Minimum requirements for many states are a joke. Here in VA it is 20k property damage and 50k bodily damage. That is why it is critical to make sure your own uninsured/underinsured section of your own auto insurance is at least fairly robust.

 

[powerboatr]

Minimum requirements for many states are a joke. Here in VA it is 20k property damage and 50k bodily damage. That is why it is critical to make sure your own uninsured/underinsured section of your own auto insurance is at least fairly robust.

BINGO

 

[Tremoring4fun]

First of all glad you were not injured, second of all that totally sucks....I am an agent in Missouri, so SC law is probably different, but here is how this would be handled here. Maybe you can use some of this info to ask good questions or at least another point of view. The third party that was in your lane is technically at fault and hopefully does the right thing and admits it. Amazing how many times the story changes once everyone has walked away from accident. Depending on their property damage limit on their policy will determine what you have to work with. If they do not have enough, your physical damage coverage will kick in minus your deductible. Your insurance carrier should go after the other carrier though, could take a long time for this to settle. I read a commit up above about uninsured/underinsured motorist coverage, and this coverage will only kick in if you were injured. It is like med pay, so don't get excited about that coverage kicking in to save you. In MO, we would most likely take the 3rd party to court if all else fails and get a settlement to at least garnish wages. This is a slow payback and sometimes you get nothing, but if there is a ruling in your favor it will follow them and hopefully haunt them a long time. Feel free to reach out and I will do my best to help advise you anyway I can. Good Luck!

 

[jasonmi]

Thanks I actually called about that one already in the hopes they still have it.

Unfortunately the guy is not cooperative with pricing. He said they cant accept xplan or match an xplan OTD price because they would "lose money". Their truck was a custom order that didnt go through apparently. I'd be willing to take a $2-3k hit but not $5-6k. I paid just under $49k OTD for the hit one. He was asking MSRP which is $54k (plus tax,title,etc).

The guy then spent 10-15 texts insisting that I can buy another f150 with the same towing capacity that I need. I told him a few times it doesnt matter what the flyer says, I need the payload not the towing capacity. He continued to insist that I can tow anything with a similar truck so I blocked him.

A lot of the dealers around metro Detroit will honor X-plan even on trucks on the lot, some even have deals on demo's (local dealership has a 2022 early production loaded Tremor for 62K with 16k, that same truck A-plan for '23 is 68K) so deals are out there. See if you can fly up here cheap and make the vacation the trip back with the new truck.

With the market the insurance payout should be more than sticker price as you have tax on the new one. Insurance is market value not what you paid for it.

 

[gb7FRz26]

After all this you may want to look into a dash cam--that can save your Buttt! I got this one and it has amazing clarity and simple to use!!
DASH CAM--

I wholeheartedly second the Viofo suggestion.
Here's a wreck I caught on my Viofo:

Also having a dashcam in my wife's car saved us from an expensive headache with insurance. 100% proved a lady on the highway changed lanes into my wife. I tried going through her terrible insurance first, got the runaround, after weeks of arguing they sent a check for 1/10th the body shop estimate. Went through my own insurance and didn't even need to pay deductible since it was clearly not her fault.

 

[gb7FRz26]

To the OP, glad you're OK and wish you best of luck with replacement and insurance issues.

I prefer my Viofo in comparison to that one because the installed front cam is much more compact / discrete / integrated appearing IMO.

But choices are good, there's a million of 'em, personal preference can prevail .

Any dashcam is better than no dashcam. Easy to get caught up in the features and gazillion choices. This is one of those purchases that falls in the "Well tons of reviews think it's good, taking a $100 chance on it." category. Dashcamtalk is a great site for research but try to limit yourself to 20 minutes lol. Avoid the rabbit hole - at the end of the day, have a dashcam.

 

[Tripdaddy95]

I have a lot of experience with totaled cars. My daughter has 4 over the years and my son recently had 2. There is a difference in the legal definition of "loss value" (insurance value) and replacement value (what you can get a replacement for). the insurance cover lost value. Also, loss value is at the date of loss so that can work for you or against you. If the price is going down, you lock in the value on loss date. However, that opposite is also true.

Do you home work on various web sites like CARGURUs.com, CARS.com, Autotrader.com, etc. Be realistic on the value. Try to remove owner value bias. You will need about 3 to 5 comps. Add any thing you just did, like new tires, major repairs, aftermarket upgrades, etc. I found the insurance companies have been very fair. The insurance companies use a system that tracks the price of sold vehicles not the listing prices. A list price may be $20k but the sales price may be $18k.

We actually made money or broke even on all 6. My son had a 1994 F250 DSL w/160k that he paid just $10k for last summer. It got totaled in the Christmas 2022 snow storm in KS. they paid him $18k for it. There are really no comps but some were listed in the high $20Ks but were not selling at that price. (had old listing dates). He bought it back for $850, found a used bed and bumper for a few $100 and has a friend in the collision biz that said he can fix and paint for under $3500. He loves that truck so it is worth it to him.

His 2011 F-150 with high miles ran over a pallet and bent the frame. The funny thing is that he just saw the puncture in the side of the cab that he wanted fixed. they said no, it was because of rust. He fought with them and they came to an agreement to take it to one of their preferred vendors. the preferred vendor said it was totaled. They gave him $16k for it. that was neither low nor high but fair.

For your own liability insurance, be sure it is high enough to cover your vehicle's value and add uninsured/underinsured to the policy and maybe a 20% over value rider. these are relatively cheap and save a lot of headaches.

Good luck.

 

[sbi]

I wholeheartedly second the Viofo suggestion.
Here's a wreck I caught on my Viofo:

Also having a dashcam in my wife's car saved us from an expensive headache with insurance. 100% proved a lady on the highway changed lanes into my wife. I tried going through her terrible insurance first, got the runaround, after weeks of arguing they sent a check for 1/10th the body shop estimate. Went through my own insurance and didn't even need to pay deductible since it was clearly not her fault.

Viofo all the way.

Small suggestion: Go to your settings and disable the speed watermark, keep only the GPS.

 

[imnuts]

Viofo all the way.

Small suggestion: Go to your settings and disable the speed watermark, keep only the GPS.

While it sounds great, any competent individual will easily be able to tell your speed just watching the video. Maybe but second by second speed, but a good average. All it takes is monitoring fixed items on the side of the road, go back to the same road and measure distance between them, watch the video for the time between points and you now have the speed. Sure, it takes more effort, but not much.

 

[gb7FRz26]

Viofo all the way.

Small suggestion: Go to your settings and disable the speed watermark, keep only the GPS.

Nah, I want it there, it could prove to a judge that I wasn't actually speeding. If I was speeding, the fifth amendment protects me from self incrimination, I don't have to give anybody my own evidence.
If I need to make public the video and I don't want the data on the bottom, there's always editing to blur or avidemux to crop away the line altogether. Imnuts is right as well, if it reaches the level of having to prove/disprove speed, that can be calculated from the video as long as there is a reliable frame of reference like stripes on the road. Hell our trucks probably can tattle on us too, with nearly everything logged now. To each his or her own though, that's why it's an option you can turn off in the dashcam.

 

[23f150]

Nah, I want it there, it could prove to a judge that I wasn't actually speeding. If I was speeding, the fifth amendment protects me from self incrimination, I don't have to give anybody my own evidence.
If I need to make public the video and I don't want the data on the bottom, there's always editing to blur or avidemux to crop away the line altogether. Imnuts is right as well, if it reaches the level of having to prove/disprove speed, that can be calculated from the video as long as there is a reliable frame of reference like stripes on the road. Hell our trucks probably can tattle on us too, with nearly everything logged now. To each his or her own though, that's why it's an option you can turn off in the dashcam.

Hmm I don’t think the 5th amendment protects you against physical evidence. That’s why the state has subpoena power. Altering the video could be obstruction. Fwiw.

 

[Aron]

While it sounds great, any competent individual will easily be able to tell your speed just watching the video. Maybe but second by second speed, but a good average. All it takes is monitoring fixed items on the side of the road, go back to the same road and measure distance between them, watch the video for the time between points and you now have the speed. Sure, it takes more effort, but not much.

Even less effort is to use the GPS locations that were already suggested to be enabled to determine speed.

A dash camera may be a good idea, but there may also be drawbacks if you’re worried about your own speed.

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