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  #1  
Old January 1st, 2016, 04:53 PM
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Eric Smirh
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Accident, need opinions,

Had my first accident in 40 years. I was going north bound at 45 mph, other driver was going west bound. I had a flashing yellow light other driver had flashing red light. She never slowed down. I saw her coming and locked it up, but to late. I skidded into intersection and hit her rear door and rear fender. I was transported to hospital and 90 was towed. I called insurance company but they are closed today. I know it's hard to tell by the pictures but can it be fixed? Or totaled? Looks like frame is bent. Tow yard is closed also. Took some pictures through the fence. I'm sore but I think I will be ok. No broken bones just lots of soreness in neck and back.

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  #2  
Old January 1st, 2016, 04:56 PM
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Jeff B
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yeah, I would bet the frame is bent...

When you're feeling up to it, get underneath and get some good pictures.


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  #3  
Old January 1st, 2016, 05:00 PM
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Brian Kandefer
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I would find a shop with a frame jig and pay them to check it out. They can probably straighten it... On a side note DAMN Lav look at how straight your grill is
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  #4  
Old January 1st, 2016, 05:02 PM
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agreed value???

If RHD likely totaled....
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  #5  
Old January 1st, 2016, 05:18 PM
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Jason England
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Anything is fixable ... as brewie says putting this on a frame alignment jig would be able to straighten out any deviations.

The Chassis / Body section of the workshop manual has all the alignment points and measurements.

My bet would be that the frame isn't bent the bumper took the brunt and her rear / door fender will be made of squishy stuff! ;-)
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  #6  
Old January 1st, 2016, 06:32 PM
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Eric Smirh
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Quote:
Originally Posted by ron View Post
agreed value??? If RHD likely totaled....
Agreed value $25,000
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  #7  
Old January 1st, 2016, 06:59 PM
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Kevin C. Doyle
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I'm a bit confused...was anyone ticketed? If it was her fault won't her insurance cover it?
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  #8  
Old January 1st, 2016, 06:59 PM
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That sucks. Sorry to hear, but glad you aren't more damaged.

I'll be curious to see how this turns out for you since this is a situation any of us could be in at any time. It seems like something like this is a toss up between taking the money and running, parting out, or rebuilding. Hard to know what to do. Hopefully you will get more info when the offices open tomorrow or Monday.
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  #9  
Old January 1st, 2016, 07:00 PM
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Neil Steinhagen
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This accident got me a $3500 check from USAA. First collision shop couldn't source parts. Second guy was quick. Had a check in 48 hours. He sent me the quote and asked me to review it. There was a few parts missing, so he corrected it and processed the claim.
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  #10  
Old January 1st, 2016, 07:05 PM
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Eric Smirh
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Quote:
Originally Posted by kevincdoyle View Post
I'm a bit confused...was anyone ticketed? If it was her fault won't her insurance cover it?
It was clearly the other drivers fault. Florida is a no fault state. My insurance covers me and they go after her insurance to cover costs. I will have more answers on Monday when people get back to work.
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  #11  
Old January 1st, 2016, 07:21 PM
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Kevin C. Doyle
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Quote:
Originally Posted by CavemanDiesel View Post
It was clearly the other drivers fault. Florida is a no fault state. My insurance covers me and they go after her insurance to cover costs. I will have more answers on Monday when people get back to work.
Oh boy this is so foreign to me. Does that mean you have to argue it out with your own insurance company about value or is all no-fault agreed upon value?

Don't want to open a can of worms here but if I lived in a no fault state and someone hit me and totaled a pristine NAS 90, what would I get paid?
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  #12  
Old January 1st, 2016, 07:47 PM
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David Frank
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Quote:
Originally Posted by ron View Post
agreed value??? If RHD likely totaled....
Its RHD from '85. With your updates, $25k still seems low. Left corner/wing looks untouched, but the front fender line (pic 2) is off true quite a bit. I'm worried about the whole front box, but maybe there is a new dipped frame in your future? Nonetheless, glad you shook it off and are doing well.
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  #13  
Old January 1st, 2016, 09:09 PM
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Jason Lavender
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Quote:
Originally Posted by Brewie212 View Post
I would find a shop with a frame jig and pay them to check it out. They can probably straighten it... On a side note DAMN Lav look at how straight your grill is
First and foremost, Eric I'm glad you're ok....or relatively speaking ok (or at least even though you were transported to the hospital it wasn't for any major life-threatening injuries). And very sorry to hear about your truck, that's heartbreaking. But as others pointed out it can definitely be fixed...if I were you I'd buy it back from the insurance company so you can fix it.

That said....yes as Brewie pointed out that SDO grille looks like it took one heck of a punch and lived to tell the tale. I'd like to see some close-up pics of that once you get in the yard . You won't see that with a factory grille!
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  #14  
Old January 1st, 2016, 09:16 PM
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Eric Smirh
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Quote:
Originally Posted by nathanwind View Post
First and foremost, Eric I'm glad you're ok....or relatively speaking ok (or at least even though you were transported to the hospital it wasn't for any major life-threatening injuries). And very sorry to hear about your truck, that's heartbreaking. But as others pointed out it can definitely be fixed...if I were you I'd buy it back from the insurance company so you can fix it. That said....yes as Brewie pointed out that SDO grille looks like it took one heck of a punch and lived to tell the tale. I'd like to see some close-up pics of that once you get in the yard . You won't see that with a factory grille!
I post more pictures when I can get closer
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  #15  
Old January 1st, 2016, 09:23 PM
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Damn Eric! Sorry to hear about the truck. Good luck with the insurance asshats. You have a super claen truck so worst case scenario is galvy frame time.
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  #16  
Old January 1st, 2016, 09:37 PM
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Eric, glad you are up and about. Kudos for being alert to the situation. Reacting a 1/4 second later could have been disastrous for you and your D90. T-boned at speed is never good.
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  #17  
Old January 1st, 2016, 10:18 PM
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Eric - glad you are OK. Anything can be repaired, just a matter of money. If the frame is bent, maybe you can get a new galvey frame instead of straightening an old one? Either way, get a good shop, and do all you can.
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  #18  
Old January 1st, 2016, 10:25 PM
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Eric Smirh
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Quote:
Originally Posted by Daddymow View Post
Damn Eric! Sorry to hear about the truck. Good luck with the insurance asshats. You have a super claen truck so worst case scenario is galvy frame time.
Already have a galvy frame. I pretty sure it can be fixed . The worst thing is being without a rover for months while being fixed. If it's totaled I'll be in the market for another one. Maybe 110 or if I can swing it a 130. I'll have to wait and see.
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  #19  
Old January 1st, 2016, 10:26 PM
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William
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I would imagine in a situation like this to get paid far less than what I paid for or put into the vehicle. I'm sure unless you have a specialized / agreed to value policy most insurance companies will value this as a 20+ year suv and nothing approaching its value for it's collectibility, etc.
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  #20  
Old January 1st, 2016, 10:30 PM
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John B.
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He stated above he has a $25k agreed value policy.
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