Here's my question, why in the world would you call in a deer hit?

 

Uhm because it's the law?

My question who got the meat!

 

Most be in the really fine print!!

Funny I run Comp on all my vehicles it is not that expensive on my polices :jessica:

 

Well I've never heard of anyone doing it. My dad works EMS in the the next county over and the dispatch center actually has a call list of people to come pick up the deer for meat before they call VDOT to dump it. Now here's a story, a year ago my dad was driving my grandmas Subaru while his DD was getting inspected. At 4:30 in the morning he hits a cow in the middle of the road, totals the Subaru and the cow has to be put down. Not even a week later he hits a deer in almost the same spot with his DD, and just last week he hit another deer with his s10 on the same road....if people around here called in deer hits the insurance companies would be overflowing with money

 

I would take the $1700 and fix it up and keep going.The only concern is, will your insurance company inusure a vehicle with a salvaged title? I realize that most will but its worth checking out before you sign that dotted line.

 

YEP! its a business, become a thorn in they"re side, agree to disagree, trust me ,theres haggle room!!

 

As I have stated before, Comp & Collision for my truck are next to nothing due to the age and other discounts I have. So why wouldn't call in a claim?

Where I live, deer strikes are pretty common, so why would I put myself at financial risk to hit several animals a year and have to foot the bill for repairs. Most of my neighbors or family have animal claims every year or so, I have been fortunate not to. Even paying a few hundred dollars extra a year, which my insurance total is barely that, why would I risk possible routine $1000 plus repairs???

Also I didn't call "Dispatch" or EMS, I hit the deer, continued to work, and called my insurance company to have it repaired because I have coverage that pays for this sort of thing. I've been lucky and have not used my insurance much, but I could have also needed to buy a truck every year if my luck was different.

When my truck was broken into and a laptop, code scanner, and $2k worth of fire gear and uniforms were stolen it was a no brainer to make the call and get everything replaced new and without question. Increase in premium...zero since I hadn't made a claim in over 5 years.

 

The damage to the s10 was a busted grille and turn signal. All fixed for $70 through LMC truck. How much do you think that would've cost if you went through the insurance. We also used to have a 90's ford exploder (I spelled it that way on purpose, that thing hit a car (small bend in front bumper) 1st deer busted a headlight and we fixed that, 2nd deer made the bumper form a slight V. 3rd deer almost pushed the driver side of the bumper back to it's normal position. One headlight was held in place with a Hanes sock, the grille was busted in about 3 places and the driver door barely opened, it ran that way for years until the trans blew up. Just saying, you can save money on small stuff just by doing it yourself

 

Not to have a flame war here, but I must have missed the lecture about the awesomeness of a Hanes Sock holding my DD together.

I've hundreds of hours of work in to this truck over the years to restore and improve it. Cutting corners to save a couple of bucks is not the intent. As the link in my sig suggests, I have done a huge amount to restore this truck to near new conditions except for bodywork. That was the last on the list.

$2800 worth of body work isn't a whole lot as the pictures show. But it does account for 4-5 hours on a frame machine to pull the corner of the core support. All the damage was above the frame rail which has enabled me to keep driver it. But this truck gets a little more care and respect than being cobbed together, I'm not a broke teenager anymore.

 

On another note, look into a brush guard/bumper replacement, my brother had a cheap $150 eBay brush guard on his j**p. re-ended some little hatchback at a stoplight, totaled the little car and just bent the brush guard on his vehicle. Insurance replaced his brush guard with a $500 westin brush guard. I've seen them save numerous vehicles from being totaled

 

I can disagree 100%.... because I disagree. That was your opinion when you pretty much said " Nothing you pay $3300 for is gonna be worth a crap", or atleast the way it reads. So, I disagree... Which is my opinion. Just because you gave whatever for your truck and it blew a HG, doesnt mean every truck that price range is "crapshoot".

Sorry OP for interupting your thread.

 

My rig is a salvage title. I understand why people want it with a clean title to preserve that resale value. But the way i see it, after all the hard work, blood sweat, money, parts, stress, gas, etc etc that i have put into this rig i dont ever plan to sell it! And if thats exactly how you feel toward this rig i could totally relate if you were to wanna keep it. but if you had planned to possibly sell the rig further down the line(pior to the accident) then i wouldnt think 2ce about it and just sell it. thats my opinion. But from the looks of your thread and what you have done to your rig if i were to put myself in your shoes i would probably keep the damn truck and fix it up to be my dream rig (as im doing with mine now)

 

IMO..

In states that don't require regular safety inspections a salvage title/vehicle would be better than a non-salvage. Why? Because they undergo a proper inspection.

FWIW..
The inspection when I transfered my title to colorado consisted of the DMV official telling me to remove my old plates and read the VIN and Mileage, she only checked I had lenses in the proper spots didn't even verify they were operational.

Here is an exerpt from the Colorado salvage title check list regarding the inspections

 

I know what it's like to dump time into something and have an insurance company want to write it off. For me I'm not interested in letting them write it off, taking the cash and buying it back with a salvage title or buying another rig with unknown issues. It takes allot of time and effort to chase down the gremlins and get it to run the way you want. Why start over with another truck

It's your rig. That means it's your property. They can't write it off (salvage title) without your consent.

If it was me I'd tell them they are not writing it off. They'll give you some BS. Ask them how much they are willing to cover and see if you can kick in the rest to get it fixed. Also remember you have the right to decide who works on your rig. You might be able to find a shop that will repair it for what the insurance company will pay.

Don't dick around with settling for an amount and buying it back as a write-off with a salvage title.

Just my 2 Cents...

 

No, "crapshoot" means could go either way... like you're playing craps. The dice game. Wasn't saying that $3300 automatically meant you're going to get crap.... you may or you may not.

Anyhow, keep the truck. You know what you got =)

 

i can't believe thats considered totaled!
Shop around for a used tc long travel kit, fiberglass fenders, and have a bumper built, and you are good to go! And still have money left over for the rear end!

 

Ok my 2 cents, keep it and fix it. Here's my story: I myself was a dumb teenager, I know hard to believe. Drove my dads 76 Chevy Silverado ( which he bought new) off the side of the road in the mtns, bent the frame. This was around mid 80's, he kept the truck and had the frame fixed, still has it and drives it to this day.

 

looks like about $300 in repairs to me

take the vallance off. replace the headlight assembly, turn signal and maker light, pull out the fender by hand.

$100 in parts if you get lucky at the local pick-n-pull.

I would have never called it in to my insurance!

Helll after looking at the pics again, i wouldl have pulled the vallance out by hand and drove the MF'r home.