I think rocky was suggesting that perhaps it was a bit risky to buy a vehicle outside of your means with no down payment. The other guy isnt trying to screw anyone and admitted fault. Its not the insurance company or the man at faults problem if anaheim comes out behind on his loan. If i bought a ferrari and only made 30k a year and someone hit it thats my fault for not bein able to afford the car in the first place not the guy who hit me (potential insurance scam there). This is also the reason you buy gap insurance. You cant just go suing everyone because you werent prepared for an accident.

 

The OTHER GUY made the mistake, not anaheim. Poor Bastard? Why, all of a sudden, is the person THAT CAUSED THE ACCIDENT, a "Poor Bastard"? I don't know whether anaheim is living beyond his means or not, it's not my business and I don't see it's relevance here. I think you're confusing this with depreciation. A new vehicle depreciates as soon as you drive it off the lot so, unless a person puts down thousands for a down payment, he/she will be upside down (and evidently living beyond their means) on their loan. "Ripping another persons guts out for personal gain"? Hmmm...no. There is no "gut ripping" because the "poor bastard" has insurance. IF it came down to a lawsuit, the money would be coming from the ins. co., not directly out of the "poor bastards" pocket.

Ok, now I guess the person AT FAULT is a "poor guy". If the person THAT CAUSED ALL THIS is a "poor bastard" and a "poor guy", what exactly does that make the VICTIM? AKA...anaheim?
"Monumental financial burden"? From what? the guys ins. is going to cover the cost of repairs etc. At most, the "poor guy" will have to pay his deductible, a small increase in his ins. premium and MAYBE a rental car. I wouldn't consider this even close to "monumental" (unless, of course, "the poor bastard" was living beyond his means also).

The bottom line is this....anaheim was THE VICTIM and WAS NOT AT FAULT, therefor I feel he shouldn't have to pay a penny for anything. A lawsuit should be a last resort. The "poor bastard" is lucky that anaheim doen't sue him for pain and suffering etc., etc.


"Geez, this country is full of lazy, selfish morons who think nothing of ripping another person's guts out for person gain".

I sincerely hope you were not talking about me. First, I never mentioned anything about personal gain. The only reason I suggested a lawsuit is so anaheim would come out even, not ahead.

Lazy? Selfish? For the past 16 years I have been in the Active Duty Army (still am) so, if that is a "lazy"/"selfish" lifestyle, then I guess I'm gulity as charged.

 

The three months doesn't sound all that unreasonable for this type of repair and this time of year.

There is no fast way to have a truck frame shipped. We have two holidays, Christmas and New Years.

Ford closes most of its operation between Christmas and till after the first of the year too.

Insurance companies drag their feet, cause of the holidays, when they have to get involved in hidden damage, etc.

Winter time is the busiest time in a body shop with all the bad weather.

The at fault insurance company should, will cover you for a rental during the entire repair.

 

I forgot, there's some oddball construction in the frame and attached parts of a new F150, some of the front sections like the radiator support are magnesium. Barring the radiator support, I wanted to see pictures. I've seen body guys do miracles to smashed up vehicles with a good frame rack.

 

RockyJSquirrel,

I gotta agree with drillsgtjra. The guy that pulled out in front of anaheim has a "clear duty" to safely operate his vehicle IAW the laws of the jurisdiction. He was negligent and anaheim should not pay a dime for any of this. Suing him or his insurance company to come out even is appropriate.

The vehicle will never be the same and it was new! Let the idiot that pulled out in front of him pay. It's not like anaheim, for his own personal gain, WANTED that guy to wreck his truck!

 

Anaheim,

Shouldn't they just "total" your truck? I thought that was usually the case when there is frame damage.

Damage severe enough to warrant a new frame on an F150 with the "9-times stronger and toughest truck frame built" sure sounds like a totalled vehicle to me! I think I would become a real pain in the insurance companies **** and demand a new truck.

Someone hit my Jeep Grand Cherokee once and they gave me a Chevy Malibu or something for a rental. I made the insurance company give me a comparable vehicle for the time my Jeep was in the shop. I ended up wth a Mitsubishi Montero. It took a lot of phone calls, but I argued that I drive an SUV to haul my family (wife + 3 kids) around and that for safety reasons, I want to sit higher off the ground than the little pillbox sedan they gave me.

Good luck with getting your truck repaired / or getting a replacement. You worked hard and paid a lot of money for your vehicle. Don't let 'em screw ya!!! Best of luck with the repair and I am glad no one was hurt. The safety of the 2004 was one of the selling points I used to get Mama to let me trade my 2003 for a 2004. The fact that the passenger compartment was not compromised and that you and your passenger(s) were not hurt is a testament to the safety, design and engineering of these awesome vehicles!

 

did you say it had a bent frame? I'd be bitching to my insurance company that it needs to be totaled. I think it's a role of the dice when it comes to frame repairs. Even if they replace the frame a body shop isn't going to know how to swap everything over like the line at a Ford plant. Just my 2 cents. Sorry it had to happen to begin with. I hope you let the Camry driver know they're a super genius

 

Don't you mean "Poor Bastard" or "Poor Guy"?

 

RJS,

I see that you said the other guy should pay for repair + rental (which is fair).

But, probably 50% of the cars (with loans) on the road are upside down. That doesn't necessarily mean that everyone is financially irresponsible or living beyond their means. It is the nature of driving a new car - they depreciate greatly after driving them off the lot.

I still stand by my comment that it is OK to sue him for the difference / gap. Murphy was riding with the "Poor Guy" in the Camry. He should have pulled out in front of a 10-year old POS instead of a new F150!

 

 

For the record, as stated, i am NOT living past my means, that statement was WAY out of line. I bought my truck begining of Jan. and bought it $350.00 under invoice, but depreciation and a slow market can do wonders.
I appricate all the posts (well 99% anyway), sort of like thearpy, like one post said, i will probably have it back before the 3 month estimate.
I will be contacting my insurance on Monday regarding the truck, i thought there was a dollar value involved also regarding fixing it or totalling it.
I must assume Rocky has been sued in the past (and lost) to make such an uneducated post.

 

Have to definitely agree with drillsgtjra and others on this one. I was the victim of a similar occurence with my new truck. I have lost almost 3 weeks worth of business do to the negligence of another person. I am in the process of settling with the other parties insurance company and I hope that I get compensated properly for my lost wages and diminished value of my property. If the insurance won't settle this in my favor with appropriate compensations, I will have to look to other sources (via an attorney) to get me back to where I was before this all happened. Yes, it is unfortunate that that "poor bastards" insurance will go up (probably dropped) due to his own irresponible driving, but that is just the nature of how things work.

This "poor bastard" worked too hard for his F-150 to let another "poor bastard" destroy it because he failed to pay attention to the road ahead of him due to the fact that he was talking on a cell phone and/or some other outside distraction (i.e. gazing at the hot female walking down the sidewalk). No mercy here!

 

In some states if your truck is totalled by no fault of your own, you have the right to either the cash OR a replacement vehicle.
In WV, if it's not totalled, then after your truck is repaired, you have it appraised. The insurance company then eats the 'difference' that the accident caused (cuz nobody is gonna give you retail on a truck that's been wrecked.) Nice system here.

 

Who do you have appraise the truck after it's fixed? I'm worried about the diminished value factor for resale. I'd like to see that in my settlement.