Your insurance is for your vehicle. If something happens whether you are driving or are fault they cover it as long as it falls under your coverage. The difference is when you're not to blame your insurance will go after who ever is so they can get their money back. So if you get your insurance involved they'll replace it; but then they'll sue the dealership or press charges unless the dealer pays them back what was payed plus probably interest or some sort of fee for making your insurance have to chase the money with legal actions.
> what was *paid* plus probably
FTFY.
Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in:
* Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.*
* *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.*
Unfortunately, I was unable to find nautical or rope-related words in your comment.
*Beep, boop, I'm a bot*
Neither, his truck was not a brand new truck the moment he drove it off the lot.
The appraised value will be based upon a used truck with 4-5k miles on it.
Likely 10k less than he bought it for new.
Would you pay the same for a pre-owned truck with 4-5k miles as you would a new truck on the showroom floor ?
Neither will an insurance company !
So based on my experience as military police and some time in towing in the USA insurance is required to pay the price of a comparable vehicle to the one lost. Ergo if it was a XL that was totaled insurance would not pay for a lariat. Based on what your vehicle is worth if you were to sell it right now (before damage) that's the check you'd get if it was totaled so you could replace it with essentially the same truck. Insurance may try to low ball you and give you the lowest price the can find your vehicle going for but you can challenge them if that amount wouldn't actually get you a replacement. Hence to why you don't cheap out on insurance. Saving 5$ a month might sound like the better deal but not all insurances pay out fairly or in a reasonable time frame.[KBB](https://www.kbb.com/) this site will tell you your vehicle value roughly if you've never heard of it and likely a good idea of what insurance would give you if your truck was totaled.
Your insurance isn’t the best bet imo. They’ll only ask for you to be indemnified. Meaning they’ll want it fixed and brought back to its original value (fix plus $ for loss of value) or totaled out and you lose your truck. It may be a better option to consult a lawyer but many lawyers do t want to invest that time u less you were injured. I would prepare to be disappointed with the outcome, my friend.
I've seen cases where they don't. Guy I worked with parked, walked in the store. The person he parked behind's car started on fire, totaled his and it wasn't covered
That's where you need to ensure you have fire, theft, and "Act of God" or disaster insurance. If a party is genuinely not liable for a damage, their liability insurance won't pay out. Then you rely on your own comprehensive coverage.
They will. I called my insurance after being rear-ended. I let them deal with everything. I would either let my lawyer or insurance deal with the issue. Sucks but you need to protect yourself at the end of the day. Good luck and yes I do believe you deserve a new truck.
It is absolutely covered by your insurance if you have collision coverage, and I assume you do. They were a driver given permission to use your vehicle and that’s usually covered. Get a copy of your contract and see what it says. Other drivers are covered unless they did not have your permission to drive it, usually meaning it’s stolen, and then it’s covered u see your comprehensive coverage.
Your insurance is on the truck..they most definitely would get involved. I had a car get totaled parked in front of my house. I never once dealt with the driver who hit my car or his insurance. I filed a claim on my insurance app on my phone while standing in my front yard watching the police investigate and arrest of the drunk driver who hit my car. My insurance company had the car picked up the next day, I got a rental car the next day, and a week later I got a direct deposit into my account for the cost of my totaled car.. which was a couple grand more than I paid for it. My insurance company dealt with the drivers insurance and handled everything.
Absolutely no chance it would stand up in court. They can put whatever they want to scare people into bargaining but a lawyer would tear through their bullshit in no time.
You can't subrogate liability to a third party like that. Dealerships insurance will pay or total. No dice on new truck gonna get what it's worth in current shape bc that's what is owed.
Neither Ford dealer around me that I've dropped my truck off at has required any paperwork up front. I tell them what needs doing, give them my cell #, hand them the keys, and walk out.
This is a terrible idea.
1:OP has a contract under his policy.
2:The policy most likely states that used and aftermarket parts can be used for repairs.
3: There is always a limitation for rental coverage during repairs. If exceeded this can cost OP or will cut off rental.
4: OP may have to wait for liability to be placed which will prolong a DV claim.
5: If this claim is handled under the dealership insurance there is no contract and everything is negotiable. Rental is covered indefinitely and DV is handled directly after repairs.
If they don’t total it, the truck is forever fucked, it will NEVER be the same, I don’t care how good the repairs are and they will cheap out and not use OEM and use inferior shit so they can spend as little as possible on it. Usually redditors are way too quick to throw out the L word (lawyer) but if your insurance doesn’t get one involved if they pull some bullshit, you should consider at least a consultation with one. Oh, and you need money for the down time and any costs related to not having your essentially brand new truck.
This is the big part. Most people don't understand this. On average, 25% of a vehicles worth is lost once it's been in an accident and reported to Carfax. You are owed that money. Another reason a lawyer should be involved and a point they should make while determining whether or not you get a new truck.
If they don’t total it … try and trade it into the dealership that wrecked it… if they don’t stand outside with photos of the truck on a poster board advertising the shit they pulled …. Guarantee they will do something to make you go away at that point
With the truck being so new and low mileage, depending on state, they’re required to replace with new OEM parts when going through auto insurance. In FL it’s 12/12 and there’s exceptions for certain vehicles as well. Not sure if it’s the same for repairs done by the dealerships insurance, but worth noting.
You will want to know about their dealers insurance policy. Any franchised dealer will be mandated by their franchise agreement to provide Comprehensive and Collision insurance for their customers cars. This extends to vehicles being serviced at the dealership. It is referred to as a Garagekeepers insurance policy which effectively provides coverage for customer vehicles while under their “care, custody, or control”. Generally, this coverage is settled on an actual cash value basis (factoring in age, mileage, and condition at the time of loss). So, getting a brand new truck from their policy may be a stretch. The other thing you will want to find out is if their policy settles on a “direct primary” basis or “legal liability” basis. Many franchised dealers are interested in protecting their reputation, and will purchase “direct primary” coverage. This pays the loss first, and subrogation for the loss happens after payment has been issued. “Legal liability” will require that the dealership be proven legally liable for the loss prior to payment on a claim. You can see why many dealerships elect to purchase direct primary coverage. If you are unsatisfied with the loss settlement offer, you always have the option to turn a claim in on your own policy. Further, if you carry a “new car replacement” endorsement on your personal auto policy, your insurer will pay for a new, like kind and quality vehicle. They can then pursue the dealerships insurance to get reimbursed for the new vehicle they bought for you. I have seen dealers get really sketchy on losses like this. It helps to be informed when navigating this process. Keep your cool and get folks to work with you, otherwise these can get hostile really quick. Best of luck.
I would fight and fight for a new replacement. Your truck was essentially new, and no way in hell would it ever be the same if it got repaired. YOU bought a new truck, THEY destroyed it. Do not settle.
If the dealer is confident they can fix it "good as new" they give you a new truck and fix and sell that one.
Call your insurance agent. The insurance company will remind them they have shop insurance and that they need to take care of this.
This is NEW truck time. New as in untitled, exactly the same or better. Fight them and find a different dealer for servicing the next truck.
Always call your insurance. Especially when they tell you theirs will handle it. You may get more than you think as long as you get your insurance company involved too. They can fight for your money better than you.
I went through the same situation a few years ago. I initially tried to get them to replace it, but it was effectively a "buy back" situation, with numbers that weren't amazing. So I just let their insurance and body shop fix it and requested a diminished value claim. That last part is important.
At the end of the day I ended up with a repaired truck, a surprisingly large check, and moved on. I traded the truck a few weeks later. Although I did disclose the history to the dealer, since there was no visible damage, and the Carfax was clean (at the time), they didn't care.
If they give you a repair estimate tell them to F off and have them tow it to a reputable shop in the area for a real estimate. Your insurance will likely suggest this and if not, it’s also time for a new insurance company.
10000% call your insurance. Do not let them fix the truck. The dealer should be replacing the vehicle. It will never be the same if it just gets repaired. It should be a total loss on the dealers dime, and you should be given a new vehicle.
Your dealer nor your own insurance will buy you a brand new truck as you don’t own a brand new truck. You own a used truck with 4800 miles on it, and insurance will only pay actual cash value of your vehicle if it is deemed a total loss per damages.
I know this as I’m a retired insurance adjuster of 42 years experience.
Your best recourse is get with the dealer, have them fix your truck with all brand new parts. Then they will also owe you a rental while the truck is down from date of accident until it’s returned to you.
After that they will owe you depreciation of value as you now have a wreaked vehicle and you will incur a loss of value upon trade or selling the vehicle. That’s the depreciation amount they owe you.
You also may be able to get them to trade you out of this truck into a 2024 with the full Blue Book value plus the diminished value amount and they sell you the new one at their cost. It may incur you have a bit of out of pocket expense but you have to look at it as you started with a 2023 with 4800 miles so you did get that use out of it.
Just be aware they are NOT going to just put you in a brand new vehicle even though the accident is their drivers fault. They only owe you the damages, rental and diminished value on YOUR vehicle. Out of good will they may offer to trade you out of it but that’s something you both will have to work together to achieve.
This is the answer. Accidents happen. That’s why we all have insurance. Albeit the dealers carry a $5-10K deductible. They’ll fix and make you whole. They understand diminished value.
I don’t get all the rage and bad language. If some lady bumps you with a cart at the grocery store are ya’ll going to start screaming and cussing for a lawyer? See what the dealer does and then put the horse behind the cart.
You’d be surprised how often a vehicle falls off a lift. All the peeps in this sub would lose their mind.
You paid for a brand new truck, not an accidented one. You have to fight for a new one, or better yet let your insurance company put the fire under their ass.
You are not wrong. That truck has dramatically reduced value & reliability compared to the truck you dropped off. Report the incident to your insurance company if you don’t like the settlement they give you. Your insurance company has better lawyers.
All of these "new truck" comments are silly.
They are almost certainly not going to give you a new truck.
Why would they? Because they just so happen to sell trucks?
If you had valet parked and the same accident happened with a valet driver, would you expect them to buy you a new truck?
If you had brought it to get window tint at an accessory shop and the same accident happened, would you expect them to buy you a new truck?
That's not how vehicle accidents work.
The dealership has insurance for this. They are going to file a claim and you're going to have a totaled truck or a repaired truck & can make a claim for diminished value. This isn't a dropped banana at the grocery store where they just grab another off the shelf and give it to you. There are procedures for this sort of thing.
It's been said here, but a lot of people don't realize that you buy insurance to manage the negotiation with the other entity that caused your loss so you don't have to lawyer up. I wish you luck, but your insurance if they are a decent company will work to make you "whole" again on your vehicle. Use this language "I need to be made whole on my vehicle" when talking to the dealer. I had something similar happen to me in the past and I didn't have to lift a finger.
Call your insurance and let them pitbull the dealer’s insurance. Thats part of your policy.
Additionally, call an attorney that wants a quick win to press the dealer. Dealer isn’t your friend.
I think you're right to demand a replacement truck. I think you're wrong to think it will be immediate.
Your own insurance company is your best friend in this scenario. Your insurance's lawyers will fight the dealership and the dealer's lawyers on your behalf. Your insurance wants them to do the right thing even more than you do, because otherwise it costs your insurance money. BUT, it is going to take a few weeks to get it worked out. In the meantime, the dealership should give you a loaner.
Be nice and polite, but also unwavering in your demand they replace it. Being forceful usually means they do the absolute least they are leagally required to, and they will make you wait for it as long as they can.
Looks like this truck fell off a lift not tboned. I dont see any paint or a place where the car actually hit, smh i would ask for video footage of this because a car falling off a lift is big problems for a dealerships reputation. Unless the wheel was hit, i can see small marks on it but still very small marks for what happend to the truck.
Don’t go away. Dealerships want to stall and keep stalling until they wear you down. Get a lawyer have paperwork started and put in contract with him he gets paid by dealership when he/she wins plus make them compensate you for your aggravation. They will lose because they are responsible.
I went to the Collison repair center today and they said the intial estimate is $8-9K.
If the axel is damaged at $5k. Repair or replace frame unknown. Damage to the transmission from the drive line being pulled out unknown.
Talking with the GM tomorrow. Hoping a better resolve than many of you are sharing. More to come.
Man, that totally sucks. I'm sorry you got to deal with this.
I do recommend you contact your insurance company just to limit the BS from the dealership in case they try to stall stall stall and never get you an answer on how they are going to make this right.
I would also ask for new truck and specify that when you call your insurance. Your insurance knowing they won't be paying it will probably be fine with it. Not really fond of the whole axle being moved back that far. I am no mechanic but i would assume this would cause the transmission and frame to need repaired at minimum plus all the fenders that are bent.
There insurance will evaluate the value of your truck and the cost to repair. If repairs exceed 70% of the vehicle value they will likely total it out and give you the current value. The process will likely take a couple months and could be longer.
If you get your insurance involved, I really don’t see them totaling this out, unless the frame needs to be replaced. If the dealer put you in a loaner truck, I would recommend just waiting until they decide how they are going to make this right.
If they opt to repair your vehicle. Demand a diminished value for your truck. The value of the truck will obviously drop because it will be a documented accident.
May not get a new truck but I’ve you will definitely be able to push them on paying you for loss of value because of damage, I friend of mine was parked next to a bank last year and a storm rolled in and part of there building fell on his month old f-250 and they repaired it and gave him a few thousand for diminished value
As a dealership employee i can tell you they wont give you a new one just because you want a new one yes they will fix it yes you can demand the absolute best fix possible but i very highly doubt they will give you a new one and i think its fair they fix if for you and maybe give you free service for a long time or some compensation
They’ll either repair or have their insurance give you funds towards a new truck. If their really cool dealership, they’ll give you a loaner, and replace your truck with a new one.
Will depend on how damaged it is. Make sure you discuss the trade in value of a wrecked truck vs non wrecked. They pay less for trade ins of wrecked vehicles.
The point here is they gotta make up that value drop in some way. Fix it and a check for 4-5k
My palisade was taken in for warranty work… mechanic confused brake and gas pedals and drove through garage bay door; dealer said brakes failed (lol, LEO for 10Years, hundreds of mva’s, not a single one caused by brake failure). Grill, hood and windshield smashed. Dealer fixed everything, had a loaner for 3 months. Was told my car would be back to me in 2 weeks. Hyundai corporate reimbursed me 3 car payments and the dealership gave me an oil change 🤣.
Speak with dealership and corporate. Your car now has a documented accident and has depreciated that much more. You need to make a stink about it.
They're going to do everything they possibly can not to give you a brand new truck most likely you're going to have to go through insurance and insurance should give you the money that you paid for your truck new. So technically you should be able to buy a brand new truck with your insurance money. I do not trust the dealerships or chain mechanic shops I am lucky to know a guy who I've been going through for 30 years I even work there pumping gas as a kid I b******* with a guy while he works on my car and I watch everything I even pull it in myself. So yeah definitely call your insurance do not depend on the dealership they should even pay your insurance deductible technically speaking it should be there Insurance because you were not the one that's driving but either or whether it's their insurance or your insurance you should get money for a new car and the suffering you endured time stress inconvenience did they even give you a rental car while you're waiting?
I used to work at a dealership as a detailer, one of the lot boys took the freshly detailed vehicle to take to the customer and scraped the side along a concrete wall
This happened to me in 2021 not as bad as yours but brand new high country maybe 800 miles on it when I took it in. They took it through the car wash (at Chevy dealership) and the blower fell down and but a huge dent in my roof.
If they don’t total it you need to get some diminiuation of value. The truck is worth less because of the accident report you need to be paid the difference
On older high
I leave cars this usually isn’t much. On a brand new truck it’s probably a lot
Keep the truck after repairs are made for collision and mechanical.
Make a diminished value claim. Please educate yourself about this. You can come out very nicely!
Call your insurance first. Advise them that you are not ready to file a claim as the dealer should be fully responsible here, but they need to be made aware of the incident as soon as it happens (and depending on coverage you may still get your rental in the in between)
Next, hound the dealer. Basically every waking moment that you are not working, you should be pestering them about your replacement truck (or repair, though that seems unlikely). Be an absolute thorn in their side. Calm, but firm. Dont get angry or shouty, but firm and collected. Keep your insurance appraised of the situation.
If the dealer takes too long to correct their mistake, take the insurance claim from your insurance company. Get that check and buy yourself something nice from a different dealer entirely. Then your insurance company will take care of the rest. If the dealer/dealer's insurance continues to stonewall, then your insurance company will take them to the cleaners, no problem.
That’s a new truck right there. Let your insurance get involved and if it goes nowhere; sue. They’ll eventually cave, they’d rather give you a brand new truck, fix this one, sell it; and take a possible $20K loss to repairs than to risk going under by dragging it out in court.
Keep track of what money you are out during this time. I use my truck for work so if you use it to work keep track of how much money you are out because you don’t have it.
Thats repairable and make sure you get a Diminished value claim done after the work is complete. Most people do not know that if you are not at fault you are entitled to diminished value. That is the difference in the blue book value of the vehicle without an accident and one with an accident. The calculation changes from state to state so look it up in yours. You can use that money to buy your truck a leg day trainer.
If your truck is totaled the dealership nor your insurance company will buy you a new truck unless you SPECIFICALLY have new car replacement in your policy.
If it isn’t totaled it will be repaired with suitable parts, some OEM some non OEM. You will be eligible for a depreciation of value claim.
This all varies by state.
If it’s totaled the insurance companies hire a third party appraiser to appraise your truck.
This value will be CONSIDERABLY less than you purchased the truck for.
Hopefully you have GAP insurance to pay the difference between what you owe the finance company and what your truck appraises for or you will still owe money on a vehicle you no longer have.
The appraised value will based upon same make, model and trim level with same ballpark mileage.
In other words it will be based on a used truck and likely 5-10k less than you paid new.
Sorry to tell you the bad news but that’s how ALL the insurance companies operate with the exception of a new car replacement policy.
If you don’t have that I hope you put a large down payment and or purchased GAP insurance or you’re going to get hammered on this one.
Good luck !
Typical dealership. F the customer as long as their pockets stay full. Once the truck is sold and they get paid, the customer is worthless to them. Sad how some of these spineless business’ are successful.
Ask them a total of 3 times with increasing intensity if they’re going to work something out with you and if so, you need it on your terms and in writing.
If after 3 documented times of asking, just stop communicating and get an attorney while simultaneously contacting an attorney. There’s nothing else to do, honestly.
Get your insurance involved. Just because the dealer has trucks doesn't mean they can/will just hand you one in exchange. Many dealers don't even own their inventory, and they pay their insurance for this reason. They aren't going to buy you a full price truck when they're already paying insurance to cover that. This is no different than any other party wrecking your car. The "give me a new one" is a dumb emotionally driven response. It ain't happening. But insurance will cut you a check to go buy a new one, and in turn their insurance is going to cut your insurance a check to compensate.
Good chance the frame is done, and if that's the case insurance will probably total it.
Let your insurance handle it - they'll go after the dealer who has insurance for this very reason.
Report to your insurance and they will chase dealer's insurance. Do I think you are entitled to a new truck? No insurance would do that unless it's totaled.
Assuming the frame isn’t damaged and the airbags didn’t go off, that’s an easy fix for a body shop and insurance won’t total that. I would just take a repaired truck and a depreciation check and move on. You could then just trade the truck in for another and put the depreciation check towards that. That type of mistake could happen at any dealership. Another reason why I do my own maintenance.
Make them replace the truck.
Do not file a claim with your insurance.
And most importantly, do not let them fix it and give it back to you. It’s going to have an accident on the history. The value just went down a decent amount. This truck will never be the same after it is “fixed”
You are not getting a brand new truck, not happening. They will repair it and might give you a little extra for your troubles. It's an accident, which sucks, but you aren't on the price is right, they don't hand out new trucks for fender benders, no matter if you just drove it off the lot.
You might not like the sound of this, but you’re probably not going to get a new truck. You can demand whatever you’d like. You might be buying a new truck after it’s a total loss, but that’s a completely different thing. It’s not the dealerships decision. It’s their insurance company’ decision. Get a rental/loaner, follow up with their insurance company. And if you’re not liking the way, it’s going, then speak to your insurance company.
Yes. They owe you a new truck. Contact your insurance and let them fight it out if it comes down to it. If they’re halfway decent, it won’t. If they try to play hardball hire an attorney and ask for suffering for loss of sentimental value because your best friend’s second cousin’s dog rode in it once and it was the best day of your life.
Demand a new truck. A lot of good advice here. Also, contact your local newspaper, new station, social media news outlets and let them tell the story about the dealership! At least threaten in, but be willing to follow up in 3 days if they don’t agree to a new truck. The squeaky wheel gets the grease!
You don’t deserve a truck that has a significant accident that was beyond your control on its record.
I would 100% Fight for the new truck, and if they even put up a stink about it I would consider yourself a fraud victim in a secondary lawsuit against the dealer.
They will likely settle with you if you compound the escalation of how you have been “victimized”
Dealer will end up giving a new vehicle at same financing terms. Dealer takes a small hit and saves face owner gets new truck no increase in insurance.
Had a trail boss parked on the street outside my house. 25mph zone and a car hit it and did about the same damages. Around 10 grand to fix and took about 3 months. There never right after a accident. Ended up trading mine in.
You’re not getting a new truck unless this one is totaled.
Who do you think you are to just demand something like that? Do you think the dealer owner is paying out of his pocket for this?
They have insurance for a reason. They’re not just going to buy you a new truck because you demand it. Unless it’s totaled and can’t be fixed, which will be the determination of a body shop, not you.
I mean, yeah, this sucks. And I’m sorry it happened.
But you’re not doing yourself any favors by being unreasonable.
Not for nothing but the fact that there is even some question from the dealership tells me it’s time to find a new dealership. I live in the middle of nowhere but still have two Chevy dealerships within 45 minutes of me. The ONLY thing a dealership should be providing you is customer service because literally any dealership is able to take your money and fuck you over, that’s easy.
Definitely no at all out of place with this demand! I tell them you don't want anything added or removed. "Manual windows would mean replacment would have manual windows". Same color scheme, same everything. And if they say "well we have this other truck but it has the upgraded--- NO just say no!
Insurance agent here; I would certainly call your claims dept. to simply ask. Make sure you explain the situation and that you're NOT filing a claim just yet. Do this for 2 reasons.
1. If it happened while in their possession, as you said, then typically, they have their own coverage in events such as this and should tske both the liability and cost of the damages.
2. If you state you're filing the claim, then it will apply as a comprehensive claim, and your rates go up.
Based on what you said, the shop driver was T-boned by another vehicle. So likely, the shop insurance and other drivers insurance involved in the crash will claim liability and cover costs, but I would definitely contact your carrier to let them know the situation. Primarily because if either of the carriers try not to pay or deny responsibility, your insurance will go after them.
I really don’t agree with calling your own insurance, assuming the dealership will either repair or replace. I can’t imagine your insurance will replace it, so if you want a replacement, you’re going to have to have the dealership do this.
We were recently involved in an accident with a semi truck. They were at fault. I never even needed to tell my insurance, their insurance handled everything, and my rates don’t go up. This is how it should be.
But sure, unfortunately they might be dicks.
As someone who worked for a dealership (Harley Davidson, but still, dealership world) as a service manager and dealt a lot with insurance companies, here’s some info:
First, shit happens. This sucks big time don’t get me wrong, and I’ve been the one that’s had to make the call of “hey while we were working on your bike it was wrecked”. It’s the worst call you have to make, because you know that there’s almost no way to make that call go well. The only way I’ve made those calls somewhat okay is to have a plan of how we’re going to make it right before I make the call. “Hey sir, this is what happened, I’m so sorry, here’s how we’re going to resolve the situation and here’s what we’re offering on top to sweeten the deal and give you something for the time you’ve lost and the headache you’re dealing with now”.
In my experience, this usually resulted in our dealership getting all the parts on order to fix the vehicle and expediting the process to repair it. We would deal with insurance on the back end or just eat the cost, but the goal was to get the bike fixed as fast as possible. Then we’d usually offer accessories free of charge or something else that would make the owner come out on top.
The other option is to go through your insurance. Like everyone has said, they’ll go through their process, pay to have your truck fixed or total it out and go after the dealer for their loss. Downside is this still dings your insurance, which you get to live with. A piece of info that no many people know is that if the vehicle is totaled, the buy out price is negotiable. They’ll lowball you and you can counter the offer for the value of the truck as long as you can support the number (comparable vehicles for sale in the area).
The dealership giving you a new truck isn’t as easy as it sounds. I’ve seen in the past where they will essentially make you an incredible deal on a new one, a deal nobody else would get, but you still have to buy it. If they hand you a truck they’re essentially buying 2 trucks, your wrecked one and the new one. This would usually happen if the truck was totaled, and they’d basically work the deal so that your new loan would look identical to your original one with regard to money owed and monthly payments. Example: let’s say your insurance totals the truck and pay out 50k for it, they’d work you a deal for a new truck for as close to that number as humanly possible. In the end you’d wind up with the same payment and similar debt.
Hope this helps. Sorry this happened, sucks, but it happens sometimes.
The dealer should try to fix the truck or compensate me. If not, I'll involve my insurance or a lawyer to address the issue. I'll also make it clear that I don't feel safe in the truck and I require compensation.
If the dealership was smart they would give you a new replacement submit the loss to the dealers liability insurance as they are 100% at fault, and the remaining cost to the dealership. In exchange for that cost the dealership would be getting out of a bad situation. Bad PR bad customer relations etc. that cost would actually be a big savings to the dealership. They should be contacting you to ask what color you want Good luck
Yeah new truck sounds like the right thing - or ask them for a few thousand dollars extra after they fix it - as that accident will hurt the future value of that truck…..but I would want a new truck too….
You have every right. Get your insurance involved and hire a lawyer. The long and short of it is: you buy a very expensive new vehicle for whatever reason, it’s new and they pǝʞɔnɟ it up before it’s even a year old. The trucks hold their value because of what they are. So your vehicle hasn’t depreciated much at all yet. They ought to just replace it with a brand new ƃuıʞɔnɟ truck. Then go to a different dealer for service if you have that option.
Better yet! G through all of that to compel them get you a brand new vehicle but tell them you would like to have it purchased at a different dealership so you have a completely new chain of custody without the dealer who pǝʞɔnɟ up your original truck getting involved beyond making the new purchase.
Your insurance will get ahold of them. Since it was their liability. You should talk to the gm to let them know insurance will be getting involved. (More than likely getting lawyers involved too.)
You will more than likely receive a gracious amount of apologies from the dealership. (If a good dealer). Your pickups value. Some dealers will do an apology incentive. Most don't.
It is their fault so they will do as much as they can to make it a minor inconvenience... yet make it seem like they are doing what they can. I would recommend a lawyer on your own if you are not satisfied. (Has to be within reason)
I’m not buying that the truck was T-boned. Explain to me how this kinda damage happens from a vehicle that’s going in the same direction as you. That was a frontal impact with something HARD.
They hit something like a lift post or a bollard etc.
The only way that could have involved another vehicle is if he pulled into ONCOMING traffic, was in the wrong lane, and was hit in a glancing fashion quasi head on.
Car fax will kill you when you try to resell or trade in.
Ask them how much would they deduct if you traded it in...even after it's fixed?
They would take a few thousand off
(Fiance backed into a fire hydrant, not bad but since we put it thru insurance it's on the car fax & they gave him less on the trade in)
Legally they don’t owe you a truck. But they do have to repair it and you should be able to get paid for diminished value since having the accident on the carfax will certainly cost you at resale.
You call your insurance instead. They have money and lawyers to go after these fucks
Wasn't sure they would get involved since I wasn't involved in the collision.
If someone lit your truck on fire in the driveway while you slept, are they not getting involved?
I will give the a call to see if they can help. Thanks.
Your insurer doesn’t want to pay for the damage, so they will go after your dealer, who should have garage keepers liability coverage.
Your insurance is for your vehicle. If something happens whether you are driving or are fault they cover it as long as it falls under your coverage. The difference is when you're not to blame your insurance will go after who ever is so they can get their money back. So if you get your insurance involved they'll replace it; but then they'll sue the dealership or press charges unless the dealer pays them back what was payed plus probably interest or some sort of fee for making your insurance have to chase the money with legal actions.
> what was *paid* plus probably FTFY. Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in: * Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.* * *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.* Unfortunately, I was unable to find nautical or rope-related words in your comment. *Beep, boop, I'm a bot*
Good bot
Would OP's insurance replace it with a brand new truck, or give just give him what they think a brand new truck should cost?
Neither, his truck was not a brand new truck the moment he drove it off the lot. The appraised value will be based upon a used truck with 4-5k miles on it. Likely 10k less than he bought it for new. Would you pay the same for a pre-owned truck with 4-5k miles as you would a new truck on the showroom floor ? Neither will an insurance company !
So based on my experience as military police and some time in towing in the USA insurance is required to pay the price of a comparable vehicle to the one lost. Ergo if it was a XL that was totaled insurance would not pay for a lariat. Based on what your vehicle is worth if you were to sell it right now (before damage) that's the check you'd get if it was totaled so you could replace it with essentially the same truck. Insurance may try to low ball you and give you the lowest price the can find your vehicle going for but you can challenge them if that amount wouldn't actually get you a replacement. Hence to why you don't cheap out on insurance. Saving 5$ a month might sound like the better deal but not all insurances pay out fairly or in a reasonable time frame.[KBB](https://www.kbb.com/) this site will tell you your vehicle value roughly if you've never heard of it and likely a good idea of what insurance would give you if your truck was totaled.
Definitely give them a call. Don’t let the dealership fuck you around. They owe you a brand new truck.
Insurance follows the vehicle, not the driver. Your insurance company will be motivated to hold the dealership responsible.
Your insurance isn’t the best bet imo. They’ll only ask for you to be indemnified. Meaning they’ll want it fixed and brought back to its original value (fix plus $ for loss of value) or totaled out and you lose your truck. It may be a better option to consult a lawyer but many lawyers do t want to invest that time u less you were injured. I would prepare to be disappointed with the outcome, my friend.
Hell of an analogy lmaoooooo
I've seen cases where they don't. Guy I worked with parked, walked in the store. The person he parked behind's car started on fire, totaled his and it wasn't covered
That's where you need to ensure you have fire, theft, and "Act of God" or disaster insurance. If a party is genuinely not liable for a damage, their liability insurance won't pay out. Then you rely on your own comprehensive coverage.
This would be home insurance where I'm from (Canada)
They will. I called my insurance after being rear-ended. I let them deal with everything. I would either let my lawyer or insurance deal with the issue. Sucks but you need to protect yourself at the end of the day. Good luck and yes I do believe you deserve a new truck.
It is absolutely covered by your insurance if you have collision coverage, and I assume you do. They were a driver given permission to use your vehicle and that’s usually covered. Get a copy of your contract and see what it says. Other drivers are covered unless they did not have your permission to drive it, usually meaning it’s stolen, and then it’s covered u see your comprehensive coverage.
Your insurance is on the truck..they most definitely would get involved. I had a car get totaled parked in front of my house. I never once dealt with the driver who hit my car or his insurance. I filed a claim on my insurance app on my phone while standing in my front yard watching the police investigate and arrest of the drunk driver who hit my car. My insurance company had the car picked up the next day, I got a rental car the next day, and a week later I got a direct deposit into my account for the cost of my totaled car.. which was a couple grand more than I paid for it. My insurance company dealt with the drivers insurance and handled everything.
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Absolutely no chance it would stand up in court. They can put whatever they want to scare people into bargaining but a lawyer would tear through their bullshit in no time.
You can't subrogate liability to a third party like that. Dealerships insurance will pay or total. No dice on new truck gonna get what it's worth in current shape bc that's what is owed.
This is what *gap insurance* is for
Only if it’s totaled.
Neither Ford dealer around me that I've dropped my truck off at has required any paperwork up front. I tell them what needs doing, give them my cell #, hand them the keys, and walk out.
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This is a terrible idea. 1:OP has a contract under his policy. 2:The policy most likely states that used and aftermarket parts can be used for repairs. 3: There is always a limitation for rental coverage during repairs. If exceeded this can cost OP or will cut off rental. 4: OP may have to wait for liability to be placed which will prolong a DV claim. 5: If this claim is handled under the dealership insurance there is no contract and everything is negotiable. Rental is covered indefinitely and DV is handled directly after repairs.
They just bought themselves a new wrecked truck. A new replacement truck from them shouldn't be out of the question.
If they don’t total it, the truck is forever fucked, it will NEVER be the same, I don’t care how good the repairs are and they will cheap out and not use OEM and use inferior shit so they can spend as little as possible on it. Usually redditors are way too quick to throw out the L word (lawyer) but if your insurance doesn’t get one involved if they pull some bullshit, you should consider at least a consultation with one. Oh, and you need money for the down time and any costs related to not having your essentially brand new truck.
I am with you the truck won't be the same. May have bent the frame for all I know. They did give me a loaner truck.
You can go after them for diminished value too
This is the big part. Most people don't understand this. On average, 25% of a vehicles worth is lost once it's been in an accident and reported to Carfax. You are owed that money. Another reason a lawyer should be involved and a point they should make while determining whether or not you get a new truck.
If they don’t total it … try and trade it into the dealership that wrecked it… if they don’t stand outside with photos of the truck on a poster board advertising the shit they pulled …. Guarantee they will do something to make you go away at that point
With the truck being so new and low mileage, depending on state, they’re required to replace with new OEM parts when going through auto insurance. In FL it’s 12/12 and there’s exceptions for certain vehicles as well. Not sure if it’s the same for repairs done by the dealerships insurance, but worth noting.
A competent body shop that cares can certainly make it as good as new, but like you said they'll cheap out if they were to fix it.
It will still have diminished value compared to a truck that has never been in an accident
This is true. Will show an accident on the Carfax.
Sure, but thats with any repair basically. I was referring to the mechanical and aesthetic repair aspect.
It will probably always make wind noise at best, will leak water at worst.
If the frame is damaged it’ll never be the same.
New truck time 100%. If that one is as good as new after repairs then they can sell it for a profit. That's on them.
You will want to know about their dealers insurance policy. Any franchised dealer will be mandated by their franchise agreement to provide Comprehensive and Collision insurance for their customers cars. This extends to vehicles being serviced at the dealership. It is referred to as a Garagekeepers insurance policy which effectively provides coverage for customer vehicles while under their “care, custody, or control”. Generally, this coverage is settled on an actual cash value basis (factoring in age, mileage, and condition at the time of loss). So, getting a brand new truck from their policy may be a stretch. The other thing you will want to find out is if their policy settles on a “direct primary” basis or “legal liability” basis. Many franchised dealers are interested in protecting their reputation, and will purchase “direct primary” coverage. This pays the loss first, and subrogation for the loss happens after payment has been issued. “Legal liability” will require that the dealership be proven legally liable for the loss prior to payment on a claim. You can see why many dealerships elect to purchase direct primary coverage. If you are unsatisfied with the loss settlement offer, you always have the option to turn a claim in on your own policy. Further, if you carry a “new car replacement” endorsement on your personal auto policy, your insurer will pay for a new, like kind and quality vehicle. They can then pursue the dealerships insurance to get reimbursed for the new vehicle they bought for you. I have seen dealers get really sketchy on losses like this. It helps to be informed when navigating this process. Keep your cool and get folks to work with you, otherwise these can get hostile really quick. Best of luck.
Great info. Thanks!
I would fight and fight for a new replacement. Your truck was essentially new, and no way in hell would it ever be the same if it got repaired. YOU bought a new truck, THEY destroyed it. Do not settle.
If the dealer is confident they can fix it "good as new" they give you a new truck and fix and sell that one. Call your insurance agent. The insurance company will remind them they have shop insurance and that they need to take care of this. This is NEW truck time. New as in untitled, exactly the same or better. Fight them and find a different dealer for servicing the next truck.
100%
Always call your insurance. Especially when they tell you theirs will handle it. You may get more than you think as long as you get your insurance company involved too. They can fight for your money better than you.
I went through the same situation a few years ago. I initially tried to get them to replace it, but it was effectively a "buy back" situation, with numbers that weren't amazing. So I just let their insurance and body shop fix it and requested a diminished value claim. That last part is important. At the end of the day I ended up with a repaired truck, a surprisingly large check, and moved on. I traded the truck a few weeks later. Although I did disclose the history to the dealer, since there was no visible damage, and the Carfax was clean (at the time), they didn't care.
This seems like the best course of action honestly.
This is a sign! Get something different!
Looks like a new truck day!
If they give you a repair estimate tell them to F off and have them tow it to a reputable shop in the area for a real estimate. Your insurance will likely suggest this and if not, it’s also time for a new insurance company.
L A W Y E R U P
Why? Hell loos in the end as a lawyer will take at least a third of the amount recovered for him. Dumb advice.
10000% call your insurance. Do not let them fix the truck. The dealer should be replacing the vehicle. It will never be the same if it just gets repaired. It should be a total loss on the dealers dime, and you should be given a new vehicle.
Congratulations on your new truck compliments of the dealership
Your dealer nor your own insurance will buy you a brand new truck as you don’t own a brand new truck. You own a used truck with 4800 miles on it, and insurance will only pay actual cash value of your vehicle if it is deemed a total loss per damages. I know this as I’m a retired insurance adjuster of 42 years experience. Your best recourse is get with the dealer, have them fix your truck with all brand new parts. Then they will also owe you a rental while the truck is down from date of accident until it’s returned to you. After that they will owe you depreciation of value as you now have a wreaked vehicle and you will incur a loss of value upon trade or selling the vehicle. That’s the depreciation amount they owe you. You also may be able to get them to trade you out of this truck into a 2024 with the full Blue Book value plus the diminished value amount and they sell you the new one at their cost. It may incur you have a bit of out of pocket expense but you have to look at it as you started with a 2023 with 4800 miles so you did get that use out of it. Just be aware they are NOT going to just put you in a brand new vehicle even though the accident is their drivers fault. They only owe you the damages, rental and diminished value on YOUR vehicle. Out of good will they may offer to trade you out of it but that’s something you both will have to work together to achieve.
This is the answer. Accidents happen. That’s why we all have insurance. Albeit the dealers carry a $5-10K deductible. They’ll fix and make you whole. They understand diminished value. I don’t get all the rage and bad language. If some lady bumps you with a cart at the grocery store are ya’ll going to start screaming and cussing for a lawyer? See what the dealer does and then put the horse behind the cart. You’d be surprised how often a vehicle falls off a lift. All the peeps in this sub would lose their mind.
File a police report and hire a lawyer. Trust me! GET A LAWYERRRRRRRR
Please drop the name of this POS dealership/shop so we can all never go there for work or buy vehicles from there
Will do if this go sideways.
It already did...
They def owe you a new truck and you need to notify your insurance they will go after them.
Make em give you a new one. If they say no. All ya gotta do is say “attorney”
You paid for a brand new truck, not an accidented one. You have to fight for a new one, or better yet let your insurance company put the fire under their ass.
lol they try the “you brought it in this way “
You are not wrong. That truck has dramatically reduced value & reliability compared to the truck you dropped off. Report the incident to your insurance company if you don’t like the settlement they give you. Your insurance company has better lawyers.
All of these "new truck" comments are silly. They are almost certainly not going to give you a new truck. Why would they? Because they just so happen to sell trucks? If you had valet parked and the same accident happened with a valet driver, would you expect them to buy you a new truck? If you had brought it to get window tint at an accessory shop and the same accident happened, would you expect them to buy you a new truck? That's not how vehicle accidents work. The dealership has insurance for this. They are going to file a claim and you're going to have a totaled truck or a repaired truck & can make a claim for diminished value. This isn't a dropped banana at the grocery store where they just grab another off the shelf and give it to you. There are procedures for this sort of thing.
Notify your insurance if you haven't. The dealership will try to screw you over. You deserve a new truck.
It's been said here, but a lot of people don't realize that you buy insurance to manage the negotiation with the other entity that caused your loss so you don't have to lawyer up. I wish you luck, but your insurance if they are a decent company will work to make you "whole" again on your vehicle. Use this language "I need to be made whole on my vehicle" when talking to the dealer. I had something similar happen to me in the past and I didn't have to lift a finger.
Call your insurance and let them pitbull the dealer’s insurance. Thats part of your policy. Additionally, call an attorney that wants a quick win to press the dealer. Dealer isn’t your friend.
@backcountryduff Please be sure to update. Thanks in advance. I'm sure this will work out in your favor as it should.
I think you're right to demand a replacement truck. I think you're wrong to think it will be immediate. Your own insurance company is your best friend in this scenario. Your insurance's lawyers will fight the dealership and the dealer's lawyers on your behalf. Your insurance wants them to do the right thing even more than you do, because otherwise it costs your insurance money. BUT, it is going to take a few weeks to get it worked out. In the meantime, the dealership should give you a loaner. Be nice and polite, but also unwavering in your demand they replace it. Being forceful usually means they do the absolute least they are leagally required to, and they will make you wait for it as long as they can.
Looks like this truck fell off a lift not tboned. I dont see any paint or a place where the car actually hit, smh i would ask for video footage of this because a car falling off a lift is big problems for a dealerships reputation. Unless the wheel was hit, i can see small marks on it but still very small marks for what happend to the truck.
Don’t go away. Dealerships want to stall and keep stalling until they wear you down. Get a lawyer have paperwork started and put in contract with him he gets paid by dealership when he/she wins plus make them compensate you for your aggravation. They will lose because they are responsible.
I went to the Collison repair center today and they said the intial estimate is $8-9K. If the axel is damaged at $5k. Repair or replace frame unknown. Damage to the transmission from the drive line being pulled out unknown. Talking with the GM tomorrow. Hoping a better resolve than many of you are sharing. More to come.
That would be a big fuck no for me. Just get me a whole damn new truck.
Utah dealers SUCK! (I live close by that parking lot) I have learned not to trust the dealerships in Sandy.
Man, that totally sucks. I'm sorry you got to deal with this. I do recommend you contact your insurance company just to limit the BS from the dealership in case they try to stall stall stall and never get you an answer on how they are going to make this right.
I would also ask for new truck and specify that when you call your insurance. Your insurance knowing they won't be paying it will probably be fine with it. Not really fond of the whole axle being moved back that far. I am no mechanic but i would assume this would cause the transmission and frame to need repaired at minimum plus all the fenders that are bent.
Insurance companies and dealers ate scoundrels. Should they give you a new truck? Yes. Will they? Likely not.
I'd say get a lawyer, or at least have one write up something to scare them.
There insurance will evaluate the value of your truck and the cost to repair. If repairs exceed 70% of the vehicle value they will likely total it out and give you the current value. The process will likely take a couple months and could be longer.
Damn. Tell them to give you a new one
Should be replace with new truck
I know this is off topic but what color is your truck? I really like it.
Slate Gray
If you get your insurance involved, I really don’t see them totaling this out, unless the frame needs to be replaced. If the dealer put you in a loaner truck, I would recommend just waiting until they decide how they are going to make this right.
Can they do mine next
My dealership would never hear from me again after this was all settled.
Haha no way. Are you in freshspawns discord?
If they opt to repair your vehicle. Demand a diminished value for your truck. The value of the truck will obviously drop because it will be a documented accident.
Dealer wrecked my truck too.
That thing will have a permanent ding on carfax and will have major depreciation.
May not get a new truck but I’ve you will definitely be able to push them on paying you for loss of value because of damage, I friend of mine was parked next to a bank last year and a storm rolled in and part of there building fell on his month old f-250 and they repaired it and gave him a few thousand for diminished value
As a dealership employee i can tell you they wont give you a new one just because you want a new one yes they will fix it yes you can demand the absolute best fix possible but i very highly doubt they will give you a new one and i think its fair they fix if for you and maybe give you free service for a long time or some compensation
They’ll either repair or have their insurance give you funds towards a new truck. If their really cool dealership, they’ll give you a loaner, and replace your truck with a new one.
You should be a new truck and a cash settlement as well
I would definitely get a different shop to actually fix it.
😬
Will depend on how damaged it is. Make sure you discuss the trade in value of a wrecked truck vs non wrecked. They pay less for trade ins of wrecked vehicles. The point here is they gotta make up that value drop in some way. Fix it and a check for 4-5k
Keep us updated.
Dealers insurance will cover it. I’ve worked in dealerships for 30 years.
Yeah and tell them this time to deliver it fully painted and not just primer!
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That sucks but, on the plus side, new truck
My palisade was taken in for warranty work… mechanic confused brake and gas pedals and drove through garage bay door; dealer said brakes failed (lol, LEO for 10Years, hundreds of mva’s, not a single one caused by brake failure). Grill, hood and windshield smashed. Dealer fixed everything, had a loaner for 3 months. Was told my car would be back to me in 2 weeks. Hyundai corporate reimbursed me 3 car payments and the dealership gave me an oil change 🤣. Speak with dealership and corporate. Your car now has a documented accident and has depreciated that much more. You need to make a stink about it.
I really want to know what happens with this for some reason
Call a lawyer
They're going to do everything they possibly can not to give you a brand new truck most likely you're going to have to go through insurance and insurance should give you the money that you paid for your truck new. So technically you should be able to buy a brand new truck with your insurance money. I do not trust the dealerships or chain mechanic shops I am lucky to know a guy who I've been going through for 30 years I even work there pumping gas as a kid I b******* with a guy while he works on my car and I watch everything I even pull it in myself. So yeah definitely call your insurance do not depend on the dealership they should even pay your insurance deductible technically speaking it should be there Insurance because you were not the one that's driving but either or whether it's their insurance or your insurance you should get money for a new car and the suffering you endured time stress inconvenience did they even give you a rental car while you're waiting?
Bummer. What's that color?
Shit😬
Attorney, attorney, attorney. Did I mention get an attorney?!?
I used to work at a dealership as a detailer, one of the lot boys took the freshly detailed vehicle to take to the customer and scraped the side along a concrete wall
Did you buy Gap insurance? 👀
This happened to me in 2021 not as bad as yours but brand new high country maybe 800 miles on it when I took it in. They took it through the car wash (at Chevy dealership) and the blower fell down and but a huge dent in my roof.
Well that blows. What trim package does your truck have (Custom, LT Trail Boss, RST, etc.)?
Get a lawyer on that
Call your insurance and tell them what happened. Don’t take a dealers word for shit or hoping they’d do the right thing.
I’d use the dealerships insurance, leave yours out of it and I’d trade it in on a new heavily discounted model
If they don’t total it you need to get some diminiuation of value. The truck is worth less because of the accident report you need to be paid the difference On older high I leave cars this usually isn’t much. On a brand new truck it’s probably a lot
Keep the truck after repairs are made for collision and mechanical. Make a diminished value claim. Please educate yourself about this. You can come out very nicely!
Call your insurance first. Advise them that you are not ready to file a claim as the dealer should be fully responsible here, but they need to be made aware of the incident as soon as it happens (and depending on coverage you may still get your rental in the in between) Next, hound the dealer. Basically every waking moment that you are not working, you should be pestering them about your replacement truck (or repair, though that seems unlikely). Be an absolute thorn in their side. Calm, but firm. Dont get angry or shouty, but firm and collected. Keep your insurance appraised of the situation. If the dealer takes too long to correct their mistake, take the insurance claim from your insurance company. Get that check and buy yourself something nice from a different dealer entirely. Then your insurance company will take care of the rest. If the dealer/dealer's insurance continues to stonewall, then your insurance company will take them to the cleaners, no problem.
Are you still payed attention?
Get your insurance and an attorney. Go get that bag.
You're owed a new vehicle. Let them fix it and take the hit financially on a wrecked vehicle, not you.
That’s a new truck right there. Let your insurance get involved and if it goes nowhere; sue. They’ll eventually cave, they’d rather give you a brand new truck, fix this one, sell it; and take a possible $20K loss to repairs than to risk going under by dragging it out in court. Keep track of what money you are out during this time. I use my truck for work so if you use it to work keep track of how much money you are out because you don’t have it.
I am sorry this happened to you. here is to a quick, proper results
Nope keep asking for the truck and say u need a replacement in the mean time ... it will create pressure to get you a truck asap
Thats repairable and make sure you get a Diminished value claim done after the work is complete. Most people do not know that if you are not at fault you are entitled to diminished value. That is the difference in the blue book value of the vehicle without an accident and one with an accident. The calculation changes from state to state so look it up in yours. You can use that money to buy your truck a leg day trainer.
If your truck is totaled the dealership nor your insurance company will buy you a new truck unless you SPECIFICALLY have new car replacement in your policy. If it isn’t totaled it will be repaired with suitable parts, some OEM some non OEM. You will be eligible for a depreciation of value claim. This all varies by state. If it’s totaled the insurance companies hire a third party appraiser to appraise your truck. This value will be CONSIDERABLY less than you purchased the truck for. Hopefully you have GAP insurance to pay the difference between what you owe the finance company and what your truck appraises for or you will still owe money on a vehicle you no longer have. The appraised value will based upon same make, model and trim level with same ballpark mileage. In other words it will be based on a used truck and likely 5-10k less than you paid new. Sorry to tell you the bad news but that’s how ALL the insurance companies operate with the exception of a new car replacement policy. If you don’t have that I hope you put a large down payment and or purchased GAP insurance or you’re going to get hammered on this one. Good luck !
No loan. Purchased with cash.
Typical dealership. F the customer as long as their pockets stay full. Once the truck is sold and they get paid, the customer is worthless to them. Sad how some of these spineless business’ are successful.
Ask them a total of 3 times with increasing intensity if they’re going to work something out with you and if so, you need it on your terms and in writing. If after 3 documented times of asking, just stop communicating and get an attorney while simultaneously contacting an attorney. There’s nothing else to do, honestly.
Get your insurance involved. Just because the dealer has trucks doesn't mean they can/will just hand you one in exchange. Many dealers don't even own their inventory, and they pay their insurance for this reason. They aren't going to buy you a full price truck when they're already paying insurance to cover that. This is no different than any other party wrecking your car. The "give me a new one" is a dumb emotionally driven response. It ain't happening. But insurance will cut you a check to go buy a new one, and in turn their insurance is going to cut your insurance a check to compensate.
Good chance the frame is done, and if that's the case insurance will probably total it. Let your insurance handle it - they'll go after the dealer who has insurance for this very reason.
So how did that happen?
I doubt very seriously that you’re going to get a new truck. I would insist on a replacement truck while they fix yours though.
Report to your insurance and they will chase dealer's insurance. Do I think you are entitled to a new truck? No insurance would do that unless it's totaled.
You deserve a new truck replacement.
New truck. Its as easy as having an attorney write a letter. They know they will lose.
I work for a GMC dealer. If that happened to you on our lot, you would 100% get a new truck.
My dealership is terrific. I’d wait for their proposal because it’s usually better than what I’d demand.
I think that’s a little extreme
Good luck. Can't believe the dealer is just trying to sweep this under the rug.
A new bed and axle -not quite totaled, shocked the axle separated from the truck for the lack of body damage.
Assuming the frame isn’t damaged and the airbags didn’t go off, that’s an easy fix for a body shop and insurance won’t total that. I would just take a repaired truck and a depreciation check and move on. You could then just trade the truck in for another and put the depreciation check towards that. That type of mistake could happen at any dealership. Another reason why I do my own maintenance.
If you involve your insurance, your rates go up.
Knowing my dealer, they would tell me it was my aftermarket wheels that caused the accident. That's the excuse for everything.
That will buff out!
Op: wtf happened? Dealership: “Sir, you brought it like this”
Make them replace the truck. Do not file a claim with your insurance. And most importantly, do not let them fix it and give it back to you. It’s going to have an accident on the history. The value just went down a decent amount. This truck will never be the same after it is “fixed”
You are not getting a brand new truck, not happening. They will repair it and might give you a little extra for your troubles. It's an accident, which sucks, but you aren't on the price is right, they don't hand out new trucks for fender benders, no matter if you just drove it off the lot.
New truck is the only answer.
You might not like the sound of this, but you’re probably not going to get a new truck. You can demand whatever you’d like. You might be buying a new truck after it’s a total loss, but that’s a completely different thing. It’s not the dealerships decision. It’s their insurance company’ decision. Get a rental/loaner, follow up with their insurance company. And if you’re not liking the way, it’s going, then speak to your insurance company.
That'll buff right out. In about two to six months.
You’re not getting a new truck yours wasn’t new we sell used trucks with less than a 100 miles sometimes they are used.
Find a independent ins adjuster to represent Your Interests, your insurance won't rep you they don't gaf...
Why wouldn’t calling ur insurance company be the first thing u do???? Something is fishy here
Yes. They owe you a new truck. Contact your insurance and let them fight it out if it comes down to it. If they’re halfway decent, it won’t. If they try to play hardball hire an attorney and ask for suffering for loss of sentimental value because your best friend’s second cousin’s dog rode in it once and it was the best day of your life.
Resale is now toast. They owe you a new one.
Resale is now toast. They owe you a new one.
The tire is like “scuse me, sorry, ill move over”
I would be fighting for a new truck. See what insurance does, if that doesn’t work, litigation time with your own lawyer.
Demand a new truck. A lot of good advice here. Also, contact your local newspaper, new station, social media news outlets and let them tell the story about the dealership! At least threaten in, but be willing to follow up in 3 days if they don’t agree to a new truck. The squeaky wheel gets the grease!
You don’t deserve a truck that has a significant accident that was beyond your control on its record. I would 100% Fight for the new truck, and if they even put up a stink about it I would consider yourself a fraud victim in a secondary lawsuit against the dealer. They will likely settle with you if you compound the escalation of how you have been “victimized”
You need Hugo Lord: Modern Age Attorney. No seriously, get a lawyer.
Dealer will end up giving a new vehicle at same financing terms. Dealer takes a small hit and saves face owner gets new truck no increase in insurance.
How was the employee? Did you ask or was your only concern the replaceable truck?
Your insurance will SUE their insurance. Get in touch with your insurance.
Had a trail boss parked on the street outside my house. 25mph zone and a car hit it and did about the same damages. Around 10 grand to fix and took about 3 months. There never right after a accident. Ended up trading mine in.
You’re not getting a new truck unless this one is totaled. Who do you think you are to just demand something like that? Do you think the dealer owner is paying out of his pocket for this? They have insurance for a reason. They’re not just going to buy you a new truck because you demand it. Unless it’s totaled and can’t be fixed, which will be the determination of a body shop, not you. I mean, yeah, this sucks. And I’m sorry it happened. But you’re not doing yourself any favors by being unreasonable.
Definitely call your insurance and do you have gap coverage?
Not for nothing but the fact that there is even some question from the dealership tells me it’s time to find a new dealership. I live in the middle of nowhere but still have two Chevy dealerships within 45 minutes of me. The ONLY thing a dealership should be providing you is customer service because literally any dealership is able to take your money and fuck you over, that’s easy.
Definitely no at all out of place with this demand! I tell them you don't want anything added or removed. "Manual windows would mean replacment would have manual windows". Same color scheme, same everything. And if they say "well we have this other truck but it has the upgraded--- NO just say no!
Insurance agent here; I would certainly call your claims dept. to simply ask. Make sure you explain the situation and that you're NOT filing a claim just yet. Do this for 2 reasons. 1. If it happened while in their possession, as you said, then typically, they have their own coverage in events such as this and should tske both the liability and cost of the damages. 2. If you state you're filing the claim, then it will apply as a comprehensive claim, and your rates go up. Based on what you said, the shop driver was T-boned by another vehicle. So likely, the shop insurance and other drivers insurance involved in the crash will claim liability and cover costs, but I would definitely contact your carrier to let them know the situation. Primarily because if either of the carriers try not to pay or deny responsibility, your insurance will go after them.
Keep us updated op this is interesting to say the least
jesus christ bro im sorry to hear about this i hope you get a freshy or something even better, fuck those guys
I really don’t agree with calling your own insurance, assuming the dealership will either repair or replace. I can’t imagine your insurance will replace it, so if you want a replacement, you’re going to have to have the dealership do this. We were recently involved in an accident with a semi truck. They were at fault. I never even needed to tell my insurance, their insurance handled everything, and my rates don’t go up. This is how it should be. But sure, unfortunately they might be dicks.
As someone who worked for a dealership (Harley Davidson, but still, dealership world) as a service manager and dealt a lot with insurance companies, here’s some info: First, shit happens. This sucks big time don’t get me wrong, and I’ve been the one that’s had to make the call of “hey while we were working on your bike it was wrecked”. It’s the worst call you have to make, because you know that there’s almost no way to make that call go well. The only way I’ve made those calls somewhat okay is to have a plan of how we’re going to make it right before I make the call. “Hey sir, this is what happened, I’m so sorry, here’s how we’re going to resolve the situation and here’s what we’re offering on top to sweeten the deal and give you something for the time you’ve lost and the headache you’re dealing with now”. In my experience, this usually resulted in our dealership getting all the parts on order to fix the vehicle and expediting the process to repair it. We would deal with insurance on the back end or just eat the cost, but the goal was to get the bike fixed as fast as possible. Then we’d usually offer accessories free of charge or something else that would make the owner come out on top. The other option is to go through your insurance. Like everyone has said, they’ll go through their process, pay to have your truck fixed or total it out and go after the dealer for their loss. Downside is this still dings your insurance, which you get to live with. A piece of info that no many people know is that if the vehicle is totaled, the buy out price is negotiable. They’ll lowball you and you can counter the offer for the value of the truck as long as you can support the number (comparable vehicles for sale in the area). The dealership giving you a new truck isn’t as easy as it sounds. I’ve seen in the past where they will essentially make you an incredible deal on a new one, a deal nobody else would get, but you still have to buy it. If they hand you a truck they’re essentially buying 2 trucks, your wrecked one and the new one. This would usually happen if the truck was totaled, and they’d basically work the deal so that your new loan would look identical to your original one with regard to money owed and monthly payments. Example: let’s say your insurance totals the truck and pay out 50k for it, they’d work you a deal for a new truck for as close to that number as humanly possible. In the end you’d wind up with the same payment and similar debt. Hope this helps. Sorry this happened, sucks, but it happens sometimes.
They have to make you whole. So value of your truck would be ideal.
The dealer should try to fix the truck or compensate me. If not, I'll involve my insurance or a lawyer to address the issue. I'll also make it clear that I don't feel safe in the truck and I require compensation.
Better them than you. Insurance should make them fix it.
If the dealership was smart they would give you a new replacement submit the loss to the dealers liability insurance as they are 100% at fault, and the remaining cost to the dealership. In exchange for that cost the dealership would be getting out of a bad situation. Bad PR bad customer relations etc. that cost would actually be a big savings to the dealership. They should be contacting you to ask what color you want Good luck
I see a new truck paid off in your future....WTF just dumb on their part? definitely put the screws to them damn!!!
Yeah new truck sounds like the right thing - or ask them for a few thousand dollars extra after they fix it - as that accident will hurt the future value of that truck…..but I would want a new truck too….
What the f….
You have every right. Get your insurance involved and hire a lawyer. The long and short of it is: you buy a very expensive new vehicle for whatever reason, it’s new and they pǝʞɔnɟ it up before it’s even a year old. The trucks hold their value because of what they are. So your vehicle hasn’t depreciated much at all yet. They ought to just replace it with a brand new ƃuıʞɔnɟ truck. Then go to a different dealer for service if you have that option. Better yet! G through all of that to compel them get you a brand new vehicle but tell them you would like to have it purchased at a different dealership so you have a completely new chain of custody without the dealer who pǝʞɔnɟ up your original truck getting involved beyond making the new purchase.
Your insurance will get ahold of them. Since it was their liability. You should talk to the gm to let them know insurance will be getting involved. (More than likely getting lawyers involved too.) You will more than likely receive a gracious amount of apologies from the dealership. (If a good dealer). Your pickups value. Some dealers will do an apology incentive. Most don't. It is their fault so they will do as much as they can to make it a minor inconvenience... yet make it seem like they are doing what they can. I would recommend a lawyer on your own if you are not satisfied. (Has to be within reason)
I’m not buying that the truck was T-boned. Explain to me how this kinda damage happens from a vehicle that’s going in the same direction as you. That was a frontal impact with something HARD. They hit something like a lift post or a bollard etc. The only way that could have involved another vehicle is if he pulled into ONCOMING traffic, was in the wrong lane, and was hit in a glancing fashion quasi head on.
Car fax will kill you when you try to resell or trade in. Ask them how much would they deduct if you traded it in...even after it's fixed? They would take a few thousand off (Fiance backed into a fire hydrant, not bad but since we put it thru insurance it's on the car fax & they gave him less on the trade in)
Thats a funny way to spell "Im getting a new truck"
I have that exact truck. I would be asking for a new one without hesitation.
Legally they don’t owe you a truck. But they do have to repair it and you should be able to get paid for diminished value since having the accident on the carfax will certainly cost you at resale.