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 > Truck flooded

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A1ARealtorRick

Gulf Shores, AL

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Posted: 08/07/20 01:56pm Link  |  Print  |  Notify Moderator

Some insurance companies are much easier to deal with than others in a situation such as yours --- hope you've got one of the 'good' ones!


. . . never confuse education with intelligence

John Wayne

Long Beach, Ca

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Posted: 08/07/20 03:12pm Link  |  Print  |  Notify Moderator

Start getting list from the auto trader on what the same truck you have now with the same miles, is selling for This is the price AAA settled on when wife totaled 2016 Honda Accord.


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PastorCharlie

NC

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Posted: 08/07/20 03:27pm Link  |  Print  |  Notify Moderator

The goose is cooked... stick a fork in it. In the floor, in the trans, differential, wheel bearings, u-joints, steering, wiring, etc. Totaled.

riven1950

NC

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Posted: 08/07/20 04:02pm Link  |  Print  |  Notify Moderator

Quote:

“Of course they want it inspected by a body and dealer.”

Reasonable. What is the issue?


No issue except time. I was hoping for a real live appraiser who could make a determination but I am ok with and inspection. Just need a truck. TT is sitting in CG in Florida.etc.

Grit dog

Black Diamond, WA

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Posted: 08/07/20 05:39pm Link  |  Print  |  Notify Moderator

PastorCharlie wrote:

The goose is cooked... stick a fork in it. In the floor, in the trans, differential, wheel bearings, u-joints, steering, wiring, etc. Totaled.


You’re funny!
Mustn’t get out much, eh! All those hard parts get bathed daily in a nice salt brine up north. All winter every winter.
I agree there will likely be electrical issues. But your statement proves you know almost nothing about vehicles......


"Yes Sir, Oct 10 1888, Those poor school children froze to death in their tracks. They did not even find them until Spring. Especially hard hit were the ones who had to trek uphill to school both ways, with no shoes." -Bert A.

Grit dog

Black Diamond, WA

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Posted: 08/07/20 05:41pm Link  |  Print  |  Notify Moderator

Funny part is, I was talking to a guy down there, said the water got to his old suburban. Looked like it was over the rocker panels. Floor was wet inside.
Told me about it after he drove it 500 miles home. But he’s not a pansy...

A1ARealtorRick

Gulf Shores, AL

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Posted: 08/10/20 06:36am Link  |  Print  |  Notify Moderator

Grit dog wrote:

PastorCharlie wrote:

The goose is cooked... stick a fork in it. In the floor, in the trans, differential, wheel bearings, u-joints, steering, wiring, etc. Totaled.


You’re funny!
Mustn’t get out much, eh! All those hard parts get bathed daily in a nice salt brine up north. All winter every winter.
I agree there will likely be electrical issues. But your statement proves you know almost nothing about vehicles......


Yes, vehicles up north do indeed get "bathed daily" in the salt brine, but bathing and sitting in it (soaking) are two totally different things. Soaking in it allows it to permeate, whereas bathing does not. Looks like PastorCharlie might know a little more about vehicles than you give him credit for.

Not sure what your credentials might be, but I was in the automobile business for nearly 30 years before retiring and getting my Real Estate license, so I've experienced a lot, first hand.

Also, the guy that drove his old Suburban home 500 miles after being flooded. I translate "But he’s not a pansy..." to mean "because he didn't have insurance" .... [emoticon]

Happy travels!!

Cloud Dancer

San Antonio and Livingston TX USA

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Posted: 08/10/20 08:15am Link  |  Print  |  Notify Moderator

If the cost of fixing it is over 65% of the value, they can legally total it. The rules favor THEM,....IMO


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dedmiston

The West

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Posted: 08/10/20 09:12am Link  |  Print  |  Notify Moderator

Cloud Dancer wrote:

If the cost of fixing it is over 65% of the value, they can legally total it. The rules favor THEM,....IMO


According to this page Nevada is the only state with a 65% threshold. The percentage varies by state and many states use a formula instead.

The variable that the insurance companies always try to avoid is the "supplemental damage" cost. If they don't total it out and agree to pay for repairs instead, then they are responsible for paying all the additional "supplement" charges once the shop tears it down and finds damage that the appraiser couldn't see during the original inspection. That's where the gamble comes in. It's a gamble for the vehicle owner too, because of the "it's never going to be the same" factor.


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riven1950

NC

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Posted: 08/10/20 05:30pm Link  |  Print  |  Notify Moderator

Grit Dog wrote:

Funny part is, I was talking to a guy down there, said the water got to his old suburban. Looked like it was over the rocker panels. Floor was wet inside.
Told me about it after he drove it 500 miles home. But he’s not a pansy...




Talk to your buddy in about a year, you'll find out who knows almost nothing about cars.

I had another salt water flooded vehicle back in college, bunch of college kids duck hunting. No insurance. Drained the engine oil and drove on. Starter lasted about 30 days, generator was next, then it got to where it would not shift ( 3 on column ). Finally ended up taking battery out ( replaced too ) and selling to a junk yard.

BIG difference is this one is a 2018 , 22,000 miles and fully insured. You bet I want a total loss.

If you or anyone else thinks it can be rinsed off and good as before you are in a dream world. I know better.

pansie

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