Friday

[GRIMJIM]

I find out Friday if my truck is totalled or not.
I have really severe hail damage, literally thousands of dents, hood, doors, roof, broken trim, no broken glass though and the fiberglass cover came out okay.
The insurance company said they use NADA values. I'm assuming it's less than bluebook but I don't know.
I'm just hoping if it is totalled they give me enough to pay off the loan (I have gap insurance so that isn't really a problem) and have a decent downpayment on another truck.
I'll probably go with a used truck this time, that payment was killing me.

[GRIMJIM]

Oh yeah. It is a 2007 Dodge ram, bighorn edition. 4x4, loaded. Really a beautiful truck.

[hillbill]

good luck with your claim! from what ive seen around here insurance companies are pretty fair in assessing values.recently my daughter was hit in the side by a woman running a light while on her phone. it was in a car i rebuilt for her from a wreck., a sweet little 98 nissan sentra.we had 1200$ or so in the car and they gave her 3500$ for it.in your situation i might take the cash and buy the truck back and fix what i needed to and just drive it with the dents in it.or maybe maybe make a weekend project out of it and bondo it up, prime it and put one of those camo kits on it.but im a tightass and hate car payments, that may not be your style.good luck with whatever you choose as your new truck!

[Buckskins & Black Powder]

hope All state isnt your insurance company, they raped us on our house and car when we got total hail damage.

[GRIMJIM]

We have state farm. We actually just had our roof replaced because of hail damage from a storm last year and they paid for everything. I am having issues with the contractor but not the insurance's fault.
We had no hail at our house from this storm. I was in Chicago at the time and apparently at the epicenter of the hail storm.

[GRIMJIM]

Just got home.  The estimate was $7500.
New roof panel,hood, window vents and the plastic piece where the windshield wipers are. Dent repair for the rest of the truck.
I'm hoping to find a shop that will replace the fenders also but I don't know if I can for the money they gave me.

[30-30man]

What ever you do, don't take a check from them before you get an estimate from your body shop.  I almost got stuck by ALLSTATE for the same very thing. I had a 98 Ford f150 that was pelted by hail one afternoon.  The estimate was more than what they paid me and then I tried to go back they said I had signed a release which I didn't. They could not produce it, so I got it fixed and quickly changed insurance companies right after. I would never have ALLSTATE insurance again.

[GRIMJIM]

They did give me a check. I have not deposited it yet or signed anything. I have heard of this before and am waiting to get estimates.