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  #41  
Old September 12th, 2012, 08:40 PM
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Charles Joerss
1995 D-90 #2812
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I didn't read every post in the thread but I asked my insurance guy what would happen to my truck if it were to be a total loss i.e. what would the value be. I did this because I had work done to it so it's in good shape mechanically. He said that if such a thing happens, to show the receipts for the work that was done and that will influence the value of the truck.

When I got into my first accident my parents said to me thankfully I'm not hurt and that a car is only metal and that it's fixable.
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  #42  
Old September 12th, 2012, 09:37 PM
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Quote:
Originally Posted by Hinckley423 View Post
He said that if such a thing happens, to show the receipts for the work that was done and that will influence the value of the truck.
You will get an extra few hundred dollars. I am not kidding.

If you did substantial work, you really need an agreed value policy where it is insured to a specific number and you get that amount if it is totaled. Not stated value where they can say it is worth less.
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  #43  
Old September 12th, 2012, 10:57 PM
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Charles Joerss
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Quote:
Originally Posted by evilfij View Post
You will get an extra few hundred dollars. I am not kidding.

If you did substantial work, you really need an agreed value policy where it is insured to a specific number and you get that amount if it is totaled. Not stated value where they can say it is worth less.
That's good to know. Thank you. I appreciate it.
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  #44  
Old September 13th, 2012, 12:15 AM
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Carl Phillips
1988 90- Swiss LHD 2.5 Petrol
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Bad news for sure but you might luck-out and not need a new frame. The one I rebuilt was also hit in the front corner and the frame was slightly bent (but not buckled) and I was able to have a collision place pull it back into alignment. In fact, when they were done the diagonal measurements were within 2mm, which is probably better than when it left Solihull.

Either way, it's well worth the time and effort to repair.

Cheers,
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  #45  
Old September 13th, 2012, 12:30 AM
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I hope you can get it fixed without to much drama. But I bet you will have to use the assistance of your lawyer to get you a decent check. Good luck. I can't wait to see the rebuild!
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  #46  
Old September 13th, 2012, 01:03 AM
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That sucks Neil, Glad to hear you are ok. Hows the Indian dude? His car look f'ed up. I'd get it rebuilt and have everything updated.
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1997 D-90 #1867 (sold) :(
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2011 Raptor F150 SVT (sold) :(
2007 Shelby GT500 (sold)
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  #47  
Old September 13th, 2012, 08:57 AM
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Julien Dalbin
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Time for a galvanized chassis, Tdi engine and Puma dashboard. A lot of work but that would be the ultimate west coast 90.
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  #48  
Old September 13th, 2012, 09:29 AM
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Michele
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Why a Puma dashboard, unless he loves a dose of plastic just like anything else...?
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  #49  
Old September 13th, 2012, 09:44 AM
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mark kellgren
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After having a puma dashboard for a month, I have to say, I really like it, and the a/c is really effective! Unless you are deadset on staying mechanical (like me), The TD5 and speed is really great on the road.
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  #50  
Old September 13th, 2012, 10:31 AM
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Quote:
Originally Posted by Overlander View Post
After having a puma dashboard for a month, I have to say, I really like it, and the a/c is really effective! Unless you are deadset on staying mechanical (like me), The TD5 and speed is really great on the road.
Can you post a photo of your upgrade? Dont think I've seen one of it....
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  #51  
Old September 13th, 2012, 11:30 AM
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Originally Posted by JSBriggs View Post
I thought he meant he installed a new dash in his 110...guess I didn't think that post through!!
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  #52  
Old September 13th, 2012, 11:56 AM
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FWIW - stop posting pictures, talking about removing items, etc... until a deal is struck with the insurance company.

Get the highest repair quotes you can find - ECR, Dealership, Me (Insist on only new and original Land Rover Parts in the repair quote)

Get vehicle valuation quotes from ECR, Copley, Ebay - Come up with a spreadsheet for the $15k in parts/labor (and find as many receipts/invoices as possible)

Salvage parts value - find the lowest possible comps on totaled - non running - POS trucks


Decide what you want to have happen.

If Totalled / Salvage:

PAYOUT - what is enough on the payout that an average person can replace the vehicle w/o significant additional spend on your part.

BUYBACK - How high a price is still worth the effort of rebuilding, or can you sell off the good parts that would be redundant when you found another truck and recoup your buyback cost - be prepared to make a case to diminish the value of the usable parts of the vehicle with a detailed list of the LOWEST possible value for the small portion of undamaged parts

REBUILD - You have to have an authorized shop inspect and certify the truck for road use in CA when attempting to re-register a salvaged vehicle; and you have to show receipts for parts and labor to the insurance company to renew coverage - so it may be better to part-out and build onto a clean VIN as your truck will NEVER be worth quite a much with an accident on the VIN


If Repair

Repair Costs - what is "repaired" to the insurance may not be the same to you, so clarify what you expect - NEW OEM parts, NO bondo, NEW chassis (not repaired/straightened) etc. You have the right to have the truck repaired anywhere you like - so find the most expensive and highest quality repair places (at least 3) when getting quotes.

Self repair - you can also do the work yourself as long as you can show reasonable cost to the insurance company vs. a commercial shop. Don't let them tell you that you can-not do the work. Build your own estimate if you intend to do it yourself for ALL the parts you MIGHT need to do the repair, include flat rate labor by component (a shop will charge for 8 hours labor to swap a transmission so that is the labor time/rate you put into the valuation even if it takes you 20 hours to do it.)

Loss of value - remember that your truck VIN will never be worth as much with an accident on record so do whatever you can to improve the payout valuation - again good comps help


You have a bargaining ship by retaining the vehicle, do not release it to anyone until all interest has been clarified and the insurance negotiations are done. Take lots of pictures and DO NOT REMOVE ANYTHING as the additional items increase the value and are in your favor.

Good luck, and let me know if we can help.

Brian
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  #53  
Old September 13th, 2012, 01:18 PM
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jeroen
1997 300 TDI 110
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I thought i had a shitty day! Man good luck with the aftermath! I hope you can rebuilt it and even make it better some how!
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  #54  
Old September 13th, 2012, 01:42 PM
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Dro
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glad to see you are alright
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  #55  
Old September 13th, 2012, 02:05 PM
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Quote:
Originally Posted by cwilder View Post
That sucks Neil, Glad to hear you are ok. Hows the Indian dude? His car look f'ed up. I'd get it rebuilt and have everything updated.
I really don't know how the Indian guy made out. Immediately after the accident I made sure it was safe to exit, turned off the engine and hobbled to the corner. I was in no condition to cross the street to check up on anyone. I think I see blood on his seat in the picture. But I do know he didn't leave with the ambulance. One last pic. Upon closer inspection, looks like there was some pulling/pushing on the bulkhead, nothing too bad but still, part of it will need to get pulled/hammered out for sure. I think the for the most part it is still aligned. The broken glass on the bulkhead channel is from his drivers side windows. My car was literally showered with glass from that. None of my glass was broken. My attorney said the case looks good. Wish me luck. In the last 2 pics, you can see how the fenders got tweaked, both sides are bent like this to the left. Now to wait for the adjusters to take a look.
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  #56  
Old September 14th, 2012, 07:26 AM
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Chad
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Quote:
Originally Posted by Cube II View Post
Why a Puma dashboard, unless he loves a dose of plastic just like anything else...?
The Puma dash is huge improvement. I love it!
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2016 Range Rover TD6
2013 Raptor F150 SVT
1997 D-90 #1867 (sold) :(
2012 Black 110 :) In OZ still
2011 LR4 "Metropolis" (sold) :(
2011 Raptor F150 SVT (sold) :(
2007 Shelby GT500 (sold)
2007 LR3 (sold)
2006 RRS (sold)
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  #57  
Old September 17th, 2012, 07:56 AM
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George
1995 D90 #2904 - BB
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If you want the chance to recover maximum value and keep options open for yourself, then the first thing you should do is stop chatting about about it on this site or other public forums.
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  #58  
Old September 17th, 2012, 09:12 AM
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Danny
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Quote:
Originally Posted by Hinckley423 View Post
I didn't read every post in the thread but I asked my insurance guy what would happen to my truck if it were to be a total loss i.e. what would the value be. I did this because I had work done to it so it's in good shape mechanically. He said that if such a thing happens, to show the receipts for the work that was done and that will influence the value of the truck.
This was one of the things I was having an issue with on my UK-sourced 90 using "normal" insurance, Geico, Liberty Mutual, etc. I couldn't get a clear answer outside of the book value, which doesn't help for an imported truck.

As stated above, an agreed value policy is the only way to get that amount in the event of a total loss.

----

Glad to hear you're ok. Good luck with getting it worked out/fixed.
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  #59  
Old October 4th, 2012, 07:30 AM
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Chad
2012 110 Black
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Any updates Neil?
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2016 Range Rover TD6
2013 Raptor F150 SVT
1997 D-90 #1867 (sold) :(
2012 Black 110 :) In OZ still
2011 LR4 "Metropolis" (sold) :(
2011 Raptor F150 SVT (sold) :(
2007 Shelby GT500 (sold)
2007 LR3 (sold)
2006 RRS (sold)
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  #60  
Old October 19th, 2012, 03:01 PM
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Yeah sorry I've been busy lately because of work, clubbing and Halloween. The report came out. It was in my favor. The other guy is responsible for the accident. Right now its in the body shop and my guy is haggling with the other guys insurance for the maximum amount we can get. Meanwhile still going to my chiropractor etc. BTW, I'm selling the porsche, I think I'm going to get the 2012 Lamborghini gallardo 550-2. Really good prices right now.
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