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Started By
Message
Car Insurance Repair?
Posted on 5/10/15 at 8:24 am
Posted on 5/10/15 at 8:24 am
Long story short I wrecked my truck and in the process the lower control arm got ripped from the bolt hole. Filed a claim, went for repairs and the guy just called saying he was going to install a whole new frame. I don't want a whole new frame cause that's only going to cause problems in the future. Can I argue this with my insurance company or is the repair options entirely up to them?
4
Posted on 5/10/15 at 8:33 am to GAFF
Dude is working on a Sunday? frick that.
And the repairs are up to you.
And the repairs are up to you.
Posted on 5/10/15 at 8:52 am to GAFF
So instead of a new frame, you would rather have some non-certified welder weld one of the most important things on your car?
Posted on 5/10/15 at 9:04 am to Hammertime
I would rather them total my vehicle so I won't have to drive one that will more than likely have future issues due to being striped then put back together. My truck is worth 12k according to kbb. The estimate is 10k.
Posted on 5/10/15 at 9:25 am to GAFF
Repairs are up to you. We have a saying in the business- "the squeaky wheel gets greased" meaning if you bitch enough- the insurance company will do whatever you want.
As far as the repair your talking about, it's actually pretty simple. Undo the body mounts and engine mounts and you use a two post lift to pull everything off the frame. You roll it out from under the body and swap everything to the new frame.
There are guidelines for how we repair something set by ICAR and the vehicle manufacturer. If the shop or insurance is saying change, it probably needs it. $10k seems pretty cheap for a frame replacement though. Are they using a used or new frame? Sounds like it might even be a frame section for that price.
As far as the repair your talking about, it's actually pretty simple. Undo the body mounts and engine mounts and you use a two post lift to pull everything off the frame. You roll it out from under the body and swap everything to the new frame.
There are guidelines for how we repair something set by ICAR and the vehicle manufacturer. If the shop or insurance is saying change, it probably needs it. $10k seems pretty cheap for a frame replacement though. Are they using a used or new frame? Sounds like it might even be a frame section for that price.
Posted on 5/10/15 at 9:28 am to GAFF
quote:
The estimate is 10k.
That was before or after they decided to change the frame?
It might total if the estimate is changing.
Posted on 5/10/15 at 9:32 am to GAFF
1. Get $10,000 from insurance company
2. Sell wrecked truck for $2000.01
3. Profit
2. Sell wrecked truck for $2000.01
3. Profit
Posted on 5/10/15 at 9:34 am to Artie Rome
You're back?? Nice
Posted on 5/10/15 at 9:37 am to Motorboat
I've been pretty productive in the last 6 months. Might have to get banned again if I start slipping.
Posted on 5/10/15 at 10:24 am to Artie Rome
I think it was just the frame from the cab to the front of the vehicle. Anyone have an idea of how much this is going to affect the value of my truck?
Posted on 5/10/15 at 10:26 am to GAFF
What was the estimate before the frame replacement was recommended? I can't imagine them not totaling it now.
Posted on 5/10/15 at 10:40 am to Artie Rome
The estimate included the frame replacement. I never had one before that.
Posted on 5/10/15 at 11:22 am to GAFF
Yeah that's a frame section, in which case they are pricing a used frame section and the labor to along with it. Honestly, I'm not aware that any procedures exist on sectioning the front of a frame, especially behind the wheels. Rear sections are no problem.
if you want to send me a copy of the estimate, I'd be happy to let you know what's going on.
ETA: make, keep and year would be helpful too.
if you want to send me a copy of the estimate, I'd be happy to let you know what's going on.
ETA: make, keep and year would be helpful too.
This post was edited on 5/10/15 at 11:26 am
Posted on 5/10/15 at 12:10 pm to DLauw
2007 Chevy SIlverado LTZ Z71. What's your email and I'll send you the estimate.
Posted on 5/10/15 at 3:38 pm to GAFF
Tigerlauw@gmail
It's just as I said though, there is no approved sectioning procedure from GM or ICAR behind the wheels. Can it be done? Sure. Is it the proper repair? Absolutely not.
Our job is to restore, not re-engineer.
It's just as I said though, there is no approved sectioning procedure from GM or ICAR behind the wheels. Can it be done? Sure. Is it the proper repair? Absolutely not.
Our job is to restore, not re-engineer.
This post was edited on 5/10/15 at 3:56 pm
Posted on 5/10/15 at 3:43 pm to GAFF
An entire frame replacement on an 8 year old vehicle and they aren't totaling it?
Yeah, that's not fishy at all.
Yeah, that's not fishy at all.
Posted on 5/10/15 at 3:59 pm to GAFF
I see your profile says GA, but in Louisiana if the repairs equal or surpass 75% of the ACV it totals the car. The repairs (replacing the frame) also seem excessive for repairing where the control arm mounts. Are you sure it's the entire truck frame for that?
In re-reading th thread I assumed it was the bolts that ripped not the actual frame.
In re-reading th thread I assumed it was the bolts that ripped not the actual frame.
This post was edited on 5/10/15 at 4:02 pm
Posted on 5/10/15 at 4:02 pm to Jcorye1
Frames are not as expensive as you think. New, normally about 3-5K, used, 1.5-2.5k and about 25-30 labor hours.
Posted on 5/10/15 at 4:04 pm to Jcorye1
Thing is, it only pays about 28 hours at mechanical rate to change an entire frame. The cost of new frame is probably around $4500. So say about $7500 total if that was all there was to it. Add in the suspension parts replacement, wheel and tire, alignment, new fender maybe, blending a door, etc. yeah $10k could be right.
Total loss laws very from state to state. In Louisiana, it's 75%. In Texas, it used to be 100% but if th frame was damaged at all, it was a total loss. Those laws have probably changed, I haven't dealt with Texas repairs in 2 decades. Georgia's laws may be the same 100%.
Total loss laws very from state to state. In Louisiana, it's 75%. In Texas, it used to be 100% but if th frame was damaged at all, it was a total loss. Those laws have probably changed, I haven't dealt with Texas repairs in 2 decades. Georgia's laws may be the same 100%.
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