Well after 155k miles with little problems other than normal window regulators, window switches, and brakes the FX4 was doing pretty good till a month ago. While I slept this happened. So far the body shop has tallied up 8500 in repairs and I hope to get it back in a couple days. The other driver and his passenger walked away from this but his BMW took a trip to the junkyard. In the video, my house is in the upper left and you can make out the truck just barely. The other car comes from the upper right of the screen.



David

 

Wow, lol. That's amazing that you got it on video. At $8,500, I'm surprised they didn't total it out, since that's about 50% of the value of the truck I'd assume. 50% of the value in repairs is normally the threshold for most insurance companies to cut a check and move on without repairing it. Hope they get it back together like new, as I'd hate to deal with any ongoing problems related to this incident.

 

That's so crazy. I'd be ready to cut someone. Where was the point of impact on the truck?

 

Wow, what are the odds? Guy just missed that telephone pole too.

-Steve

 

Llama_Lariat07 Here's a couple picts taken during the investigation and clean up..

 

Pretty sad when your truck isn't even safe in your driveway.

 

Ouch! Sorry Brother! Hope they get that yellow beauty back to you quick!

 

Hitting the corner of the bed/tailgate explains a lot about the $8500 estimate, especially if the inner tub of the bed is compromised as well. I once had a shuttle bus at a state park back into the bedside of one of my old trucks and that added to the repair bill substantially. Did the bed press into the cab of the truck at all?

Hope you're able to get it all sorted out!

 

Hey David! I didn't know you were on here. Glad they're fixing your truck and not totaling like they did mine.

RandyP

 

That's not even remotely close to a total, I've seen complete cabs, boxes and frames replaced. These trucks hold their value which means insurance companies tend to fix them.

-Steve

 

Insurance companies don't care whether a vehicle "holds its value". They care what their payout is, and typically once the cost of repairs equals ~50% of the vehicles' current market value (2004 FX4 w/155K miles = $13K in my area) it becomes totaled. I worked for Farmer's in vehicle claims during my college years, so it just surprised me. Heck, in many instances when significant damage was done to the the bed, they just go out and find a new/LKQ bed as opposed to repairing the original bed due to the repair costs of dealing with getting the large panels to straighten out.

 

Just FWIW, it depends on the laws in the state you are in. State Farm wanted to total out my 1976 Toyota Celica back in 1994 and only give me $1K after another driver crossed over the center divider in front of me. The laws in Arizona allowed me to force them to fix it or pay me what actual market value, not what they thought market value was...

 

No disagreement on that, dbhost. You should get paid market value, not their estimate. Now, they may try to low ball you on their offer, but you should be able to negotiate market value. It's still a $11-15K truck here in the South based off of a quick autotrader scan.

 

Makes you wonder just how trashed the BMW driver was...

 

Got it back from dealer a little bit ago..Paint isn't perfect, but close.

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David