Need advice

Riddle

Riddle

Armed Infidel
Joined
May 12, 2009
Location
Walnut Cove, NC 27052
So me and my wife had to bring my father in law back up to PA this week and while we were visiting my mother in law, I backed out of the driveway into a tree....boogered up my ass end pretty good. Should I turn it into my insurance? It's a 2006 GMC Sierra 1500. Not the nicest thing on the road but the nicest thing I've ever owned by far, so I surely want it fixed. Just don't know how much I should expect my insurance to go up if I turn it in. And advice???
Will post pics in the AM
 
I probably wouldn't file it. Ya gotta run the numbers, but your rates will go up, they might even drop ya if you have a bad history. IMHO, insurance is in case you fawk up someone else's junk or your real nice stuff. An 06 1500 isn't real nice.
 
Ok....you know a body guy that's feeling generous??? Lol
 
The cost of your insurance will go up for three years. I would probably try and fix it myself.
 
What got messed up? Bumper? Tailgate? Bedsides? Bed floor? IMO, it would probably be cheaper to find a new bed and bumper.
 
image.jpeg
image.jpeg
image.jpeg
image.jpeg
 
Tailgate catches a little when I open it, but still opens fully. And the tail light is out, but I've got a spare tailight.
 
No way in hell I'd report it.

This from a guy who's "totalled" 3 motorcycles, crashed 4 others on the track, hit a bridge embutment with a Nissan truck in the snow, rearended a dumbass with my exploder who was STOPPED in the middle of business 40 in downtown Winston, and been T-boned by a psycho that WASN'T issued a ticket, and had more speeding tickets than Sammy Hagar

So I've SEEN some insurance claims.

Suck it up and fix it yourself
 
Hell aparently your standards are higher than mine, if teh tailgate opens and closes, I wouldn't do anything at all.

But I would definitely not file it. At least not yet. Get an estimate and rune the numbers.
You can also just call a local insurance rep and ask him anonymously. Say you've got this situation and the total looks like XX, you're paying YY, what will happen to your rates if you file. Most local agents are pretty honest and up front about it.
 
If you haven't had any other claims in years and the damage is less than $1800 your rates usually won't go up. Call your agent and ask that's why you pay them.
 
If it was me, I would get a junkyard bumper and put a bottle jack between something and that back corner to jack it back out a little. As soon as you drop a ton of $$ to fix it, some @$$hole will probably rear end you.
 
Do not file that. Find a take off bumper on CL or at junk yard and bolt that on. Bend the existing one out of the way for now so it doesn't damage the tail gate. A decent body guy should be able to repair the lower corner of the bed side and either do a hard line or burn it in the crease of that lower body line. Not the right way to do it, but nooone but you would know it happened and you could probably get someone to do that repair after hrs or on the side and the replacement bumper for the cost of your deductible or less.
 
Can't you just put one of these over it for now?


apbs.twimg.com_media_CDXAMbkUIAArCdN.png
 
Fix it yourself with a Junkyard bumper.
 
Local body guy charged me about $1k cash to fix a dent like that, but it didn't include any damage to the bumper.
 
My advice is sell it to crash for double what you have in it and buy a new one.
 
Idk you might have to give him the blue truck too if your wanting the mail box
 
But after the value of my neighborhood goes up due to the box, it'll be worth it!
 
You could probably look on some squatted truck forum and find some teenager who is having to remove his aftermarket bumper because it is dragging the ground. Then again I may have just realized what the next trend is :eek:
 
Back
Top