The insurance company sent me the valuation for my truck today, it doesn’t look good.
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- เผยแพร่เมื่อ 5 ก.ย. 2024
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Hey Major Congratulations 🎉 I can even get 5 people to be my friend 😂. Lol
I like the video and I agree i would not want them to judge a vehicle in one state compared to one from a different state as prices change. and 64,000 is way to low considering they sell online for around 140 to 160,000. can we get an exact list of what you have spec wise in your truck so we can help to make a fair comparison to it please.
It should be a crime for anybody in London Kentucky to be able to sell anything I know all about London Kentucky and anybody that buys from London Kentucky should be prosecuted
Even Gentry and sons avoids that place
Call Dan from benchmark auto he is the arbitrator we hired to settle our claim after progressive and the same farmed out appraiser low balled us on our truck after it burnt down. The insurance companies know they are crooks and they are just trying to pay out the least amount. I'm dead serious call Dan they have a office in California and New York. So sad to see how many people they are doing this too.
I'm not sure if you looked into this yet, but you can invoke the "Independent Appraiser" clause that's generally included in most vehicle insurance policies. This way you get a second opinion by someone who *doesn't* work for the company that owes you money.
I had a similar thin with a newer car and the independent appraiser did go to bat form me with a better settlement.
This
Hire your own appraiser- that’s what I had to do with one of my heavies - they wanted to give me 500k - hired my own appraiser and got 800k
If you pay insurance premiums based on the area that you live in, then they should also base the value of the vehicle on the market around your area.
Dauminique, congratulations on your plaque for 100,000 subscribers. It is beautiful and I am sure you will cherish i forever. I hope Bobby is OK from the accident. Your truck is so beautiful that we all know it needs to be fixed. Insurance companies are only looking out for their bottom line and don't really care for your individual situation. Hang in there and hopefully things will eventually work out. Take care and please let us know how everything works out. We need you and that truck working again.
I'm hoping to hear back soon about the repairs
That’s another reason why only experienced drivers should ever be involved with valuations on semis or any heavy duty trucks!!! Most of them have probably never been in, or around trucks, let alone drove one!!! I hope you get it fixed!!! With the way most insurance companies are for covering stuff, I don’t understand why we even pay insurance premiums or why we required to have it as far as covering losses on our part! That was total BS! Congratulations on the plaque! No doubt, you earned it!
You ARE DEALING WITH BUREAUCRATS, LOOKING OUT FOR THEIR INVESTORS, AND BOTTOM LINE. DON'T LET THEM SCREW YOU OVER!!!
😢 .
So happy for you! You worked so hard to get to this point. Now on to 200k.
Insurance companies are such experts at cheating people out of their money. They tell you your vehicle is totaled, give you a fraction of what it's true value is, then want to come get it so they can auction it off and get all the settlement money back. It is your vehicle, how did they get rightful ownership of it? Then they have the audacity to tell you that you can buy your vehicle back. What good is insurance to protect your investment? No good!
Hello Dave, over decades I have concluded that most insurance companies are not interested in paying money to clients. They are mostly interested in clients giving them money and will go to great lengths to pay as little as possible when you make a claim.
@@dansbrown1313 For sure Dan!
I said as much in my post as well. Insurance companies are nothing more than economic terrorists in todays day and age.
Unfortunately all insurance companies will value your vehicle at lower value. Why? So they can make money
I drive away 2016. Mac, it has a 425 horse motor inwith an Allison. It cost us 10 grand Moore to get the Allison in it. And I've got over 250000 miles onwith no issues. That is why they give you less price for your standard transmission. Because the elephants are bulletproof and that's why they run them in armored tanks in the United States.
Your decision to not deal with the fair market value until it's a problem was a good one. You have your priorities right.
I live 5 miles from York spring, pa. This is a small town. There might be a couple a companies with dump trucks and I never, in my 29yrs here, saw a truck in as good condition as yours. Yes, they are low balling you!
Hopefully you'll be able to get your truck fixed. It's a nice truck. And you're right,those are hard to come by style. Congratulations on the 100,000 subs
UNK for manufacturer is "Unknown".
Congratulations Young Lady. I am so very proud of you and your family. That is a great accomplishment. I know you said that you didn’t think you would ever make it. But you are the core of your channel. You make it .
The insurance is supposed to make you Whole. You are going to have to bring these points to your adjuster . Areas are important State DOT determine what you can haul. You may be faced with getting the services of a professional adjuster to intervene for you.
You was asking about the drive axles on the red truck. It only has 2 drive axles. The the front axle is a non steering pusher drop axle with duals instead of singles that wasn't lifted at the time the photo was taken.
Huge congratulations on the award!!! Love your videos!! Very much deserved award!!! Insurance companies are e out of their minds.
They have lost their minds 😂 They should have someone that knows the industry to make appraisal.
I feel your pain . We sold a W900L 2 years ago. A lot of tire kickers and plenty of low ballers. Took a while but finally a guy from Michigan flew down an picked her up.
I think the truck from Kentucky could've been a coal dumper. 😮
Congratulations on reaching 100,000. Stand your ground with insurance company. They’re trying to low ball you hoping you’ll be stupid and take it. They will change their tune when you start complaining Otherwise take what they give you and fix it and don’t do business with them anymore
I would love to see the dump truck fixed up and back on the road. It was such a pretty truck and I love following you guys And I loved how it was tuned
You can’t compare a east coast truck to a west coast truck two different applications that’s nuts and congrats for your 100k subscribers
So true
Progressive sucks I used them 30 years ago only because of the price they are far far insurance companies out there nowadays
Congratulation on your 100K! 🎉🎉🥳🥳🎉🎉 Today I live in sunny southern France near the Spanish boarder, I did live in northern rainy King County many years ago I will stay here for now! Good luck on your truck, peace to you and your family!
York Springs Pa is 40 minutes from my house that Red truck was used hard and put away wet.
100%
Hang in there young lady and congrats on the play button you've earned it 😊
I grew up there, went to Edmonds High (1983), found your channel and really love you videos...even from way down here in Tucson, AZ. Keep up the great work.
Congratulations on your award 👏!! Yall work hard and deserve it and more!! Your making the right decision to getting it fixed!! I wonder if it will be time to switch insurance as well??
You are a amazing woman you do your homework and you know what time will I am so proud of you baby you are a special woman God bless you
Congrats on the 100K mark. You deserve it. I hope you get your truck back on the road soon. Insurance companies suck dirt.
orange light on roadside is for Canada use.
Congratulations on your plaque
Check with Erie insurance. They have been great to work with.
Congrats Dauminique! Keep going. Love your channel. 😁
Love the desk lamp.
I am Norweigan and drive box truck with trailer, but my other dump truck drive my nephew. Originally is from 2004 and it on 5 axles, carry 28 tonnes plus trailer. What is huge change compare to you is value. These old trucks in Europe are very cheap, sometimes scrap metal price. 4 years ago i have replace engine, because original one was euro 3 and nobody will load me with these emission and also toll is 3x more expensive than euro6. So i replaced engine for euro 6 and added value extra 10 percent by insurance company. Basically if i sell wheels, engine, body, cab, axles and other bids, i can have almost 10x more than insurance quote for value of my truck. I fitted brand new engine 700hp and by insurance is value for truck less than engine price. Crazy world
UNK is unknown. Congratulations on 100,000 ! Hold onto your guns about the quality of your truck.
Don't sweat the small stuff. It'll come in time. You'll get what you're looking for
Congrats on the 100k Dauminique. You're right. they act like they want to total your truck. for them it'd be a quick settlement, then they'd sale it at auction and get money back. Also, I would rather have an 18-speed then a sorry auto in a truck any day. Most autos are used by seat and steering wheel holders anyway. Too many don't know how to drive a stick anymore. This is from an 'old' trucker who came off the road in the 90's. Good luck with the insurance ripoffs.
hate to say it but get a laywer it will help you out with it
You can do ANYTHING you put your mind to. Congrats on your accomplishments. A modern lady that is a role model to girls and boys everywhere. You are great. Hopefully Bobby will take you out to dinner to commemorate the occasion. Congrats !!!
Congratulations on your award. Ask your dealer what he would sell your truck for today as it was before the accident. Thats the value to start with.
You really need to go after the Insurance Company. They are in business to save as much money as possible. Send them all the proof you can.
Progressive sucks I used them 30 years ago there are far better companies nowadays
I don't know where you are but vocational trucks pretty much progressive and Berkshire
Congrats there young lady. Anything is possible if you stick to your goals. Next is 500,000.00
Love your channel keep up the great work.
I have found that you should always supply an adjuster upfront, with a full file of all your repair receipts / upgrades / accessory equipment as well, if possible the build / spec sheet for your truck based off the VIN number from Kenworth...if you don't, they are just left to guess and fill in the blanks...which leads to the situation your in now ...knowledge is power. Good luck, and keep up the excellent content.
Congratulations, you deserve it keep up the good work love your videos
This it’s where they get you. We had a truck just get engine rebuilt by dealer and progressive said it already had an engine in it so that don’t add no value but the bill was 40k . They know replacement cost in the past 3 years have skyrocketed. For a good triaxle around in Alabama there at least 150k for about 250k miles about 50k markup in 3 years
1. Progressive SUCKS.
2. How in the world did that happen going down a driveway. Too fast and not paying attention I guess.
Congratulations on your award. You deserve it. Keeping your cool concerning the truck is the best way. Thanks for the update and here's praying 🙏 everything works out in your favor. ❤
I know in my state, you can buy it back from insurance company for 10% of what they totaled it for, but then you have to pay for repairs out of your pocket
When you look up what is in your area take a screen shot of what is close as you can find to yours more than 1 is helpful. Then call or visit your local dealer and bring a picture of your truck and a list of what it has for equipment and ask for them to do a written estimate for the vehicle value in your area it was on their lot. If you can get 2-3 estimates from local dealers it would hold muck more credence to your claim. If you want to keep your truck, get a damage estimate the damage from a local body company or independent appraiser. Then ask your insurance company for what you can but your vehicle back from them for. At that point you can make an educated guess as to what is in your best interest at that point. If you have the sticker of your truck that shows all the upgrades that were on your vehicle, like factory packages that were on your make sure that those upgrades were accounted for and the condition of your truck prior to the accident. If they are saying the condition is good but yours was excellent like (no rust or dents or new parts that was in the truck new tires and so on) make sure you get the money you put in for repairs, that all counts. you do not need to settle for less if you can provide them with a valid reason to give you more. I just went through it with my insurance company with my insurance company who was trying to low ball me on my personal truck, a 2018 Silverado with 35,700 miles they came in at $29.400 and when i was done my check was for $36.000 and i was able to replace it with no $$ out of pocket, by getting them up 20% more. In your line of work time loss insurance and Gap insurance is worth paying for, gap insurance will pay the difference between what you owe and what the insurance will give you if you have inequity, if you have to refinance a previous balance to refinance. BTW congrats on 100K.
Congrats on the 100K! Stick by your guns and make them fix your truck. You can look around for PNW truck comps to send to Progressive. Lots of T-800's went thru your favorite auction house, try to get some sold prices and descriptions from them.
It will be interesting to hear the numbers the Body Shop comes up with. When you get it back running, I'd get away from Progressive, but it'll be hard because you'll have a near total claim on your record. Keep on Trucking' !
JG Murphy and Richie Brothers (local locations) can provide reasonable comps. Progressive hasn’t done that.
A guess on the orange (actually "amber") light on the dump body. Previous owner possibly had a contract for snow plowing services on state or fedreal roadways.
Not through the whole video yet but im sure the red Kenworth is a steel box as you can see rust at the front marker light and a few other spots and i cant believe that they took money off for an air ride rear. When I picked up my 2001, T800 Gravel truck, that was one of my requirements. I wasn't settling for a rough ride. I think Ive got it insured at a fixed value of $130,000 Can. Pic is on my youtube page if you want to see it.
The bed on the blue truck is for hauling coal. It has a coal chute in the tailgate too.
Congratulations on the 100K award. Remember that insurance companies and especially adjusters do not work for you. Their primary goal is to get you to settle for a smaller amount. I'm not sure if this will work with truck insurance, but I have had larger sized boats in the PNW but I was able to get insurance for an "agreed value" and maybe had pay a bit higher premium, but felt it was worth it.
You may need to hire an attorney to help you get the results you want.
Good luck.
The only way you are going to get your truck bake is today it then buy it back then fix it yourself
For what its worth: In Kansas your value of vehicle that aged out of Bluebook is according to the Kansas Insurance Commissioner himself your vehicle is worth what 3 dealers within 100 miles of you. Are willing to sell your vehicle for before wreck off of their lot for.
Tell the insurance company to find you a comparable truck purchase it and deliver it to your door subject to review. I have done this on a couple of vehicles over the years and its amazing how much the settlement offer comes up. Yes buy this loss insurance next time. With the time loss they become highly motivated to settle quickly.
And yes both of trucks shown had drop axle and spec like we do in Alabama except we use 16 feet metal beds and gross 82500
Lol.love ur show.13 speed fuller 78 truck transfer and pup and flat bed equipment oriented.
Congratulations on the plaque !!! Unfortunately insurance agents will sell u cheap insurance basically to push the policy through …. Make sure you sit down with your insurance agent every year at renewal and go over all the coverages and ask questions ….. I would make them fix it up back to original. Then they can’t compare it to anything !! If you have any questions don’t be afraid to reach out ….
I live about 15 miles from the red truck. The truck is labeled plow up/down and plow tilt. In Pa. the state and local governments contract trucks to plow snow. Many may have had sudden stoppage when the plow blade catches something on our fine roads. If it plowed it spreed salt.
If you buy a tri axle or 10 wheels in Kentucky Virginia all in that area they need a deep bucket cause alot of them run coal.
Understand they need to value it in the same area . Hope it works out
You really need to consider getting a Public Adjuster to fight the Insurance company. Public Adjusters work for you to fight the Insurance companies when they give you lowball offers such as these. You are correct, in that, they don't understand your specific market and that the bridge requirements make a Big, Big, difference in the value of your truck in your location. They need to find a truck in your area that is comparable to your truck, not ones that are 3,000 miles away.
If they are going to fix your truck, then you could forego the adjuster, however, if the want to try to total the truck, then you need to get a Public Adjuster to fight for you!
Good Luck!!!
So, I had the exact same thing happen and what ultimately happened is I had to provide my own comps from listing's i found and that's what the insurance company ended up paying. Don't let them push you around and yiu will get fair market value. 😉
Value did double with honest comps. 🤗
Hi, I live in the UK and we had this nonsense years ago. Long story short, Insurance coy landed up in court and was challenged to find 'identical ' vehicle for valuation they had placed on claimant's vehicle...couldn't do so! That was the last I heard of this practice!!!
😩
I saw a green t800 over here on the east side of the state. It was on Craigslist. It was setup similar to yours. They were asking 75ish.
a helpful note, look for a quote from more than one body shop, best not to go with the house choice as they always charge the most money because they can get away with it.
You have to provide the Comps for them. Cause I have no clue what they're looking at.
I started looking at the cost of truck body panels. I was shocked that the prices for new factory panels was so low in price. you will really have to look at the repair estimate invoice. Body shop will over price like crazy if insurance is being used for repairs bill.
I can tell you from experience an attorney comes in handy dealing with ins co at times.
That's an east coast truck and that's why the have the 3rd set of drops with duals
here a dump truck with 500k km on it are rare, usually they are exported before get that much use on them. normal is getting a new truck with a service contract. big companies trade at 3 years old often.
I used to run a rehab shop for big trucks, at times we would make an offer to the insurance company, take the cash, and we would work out a deal with the owner to correct the truck.
Also insurance companies today have no clue about trucks, the repairs, the build.
Most trucks today are built with automatic transmission or autoshift.
transmission .
The days of 13 or 18 spd transmission are about done.
Good luck in your business, good luck with your insurance company.
Don't know about Washington? in Oregon they have to repair it or replace it, your truck can be fixed, we do chassis/frame work from 1/2 tons all the way up to the class 8 trucks and top of the line diesel motor coaches, the cab damage is what concerns me?, we don't do the body work.
Congrats on the 100,000 subscribers. Insurance companies love taking your money and want it right now but when its time to pay they seem to take their sweet time about it
. Good luck hope your back on the road soon
I would wait until the adjuster has provided the quote or everything needed for the repairs. I have not watched anything on the repairs needed as of yet. As for UNK this is the code for unknown. Meaning the do not the manufacture of the item. The damage that I looked at when it was getting pulled out was not that bad, but again, I am not looking at the truck and identifing what is needed to make the repairs.
They did the same to me. Cow took mine out. But,,, a perfectly running all mechanical maintained, flawless work truck. I replaced the box with a rust free box,, but a white box on a black truck. 3,500. It cost 14,500 to replace it.
Congratulations Dauminique
You are my Favorite Gal truck Driver.
Hopefully frame is good the rest can all be repaired lots of bolt on parts. Use more than one adjuster, I agree on the lowball offer that is horrible.
It’s fine
Being optimistic, At least it's winter.
I like to see how other states haul dirt. My state is the heaviest in the union at 164,000 lbs...
Congrats to Daumuque Best Wishes and Sucess.
My dear you have way more patience than I do. You are one hundred percent correct about the quality and specs in the west versus the crap in the east.
Also Dauminique, don't let progressive use Trucks in California & New York 2010 or older as a comp. Those Truck's are banned here and are valued very low. Hard to sell them here.
It was used in construction which requires the flashers
That’s BS that a manual transmission is not as valuable as an automatic !!!
The insurance company has to take state laws in pricing your truck out because spec out for your state. My truck I used to drive was spec out for Ontario Canada. I couldn't cross the board into Michigan because the tug on pup was too long. I couldn't go to Quebec Canada. The left axles had to be steer axles. It's never fun dealing with insurance companies. Good luck
I've worked on setting scope of work for property claims, but it seem similar to the adjuster working on your truck claim. With your truck being part of your TH-cam income I would set the cost of the truck with something exactly like you had. The cleanliness, style, and equipment is what brought your viewers so you will need to maintain that value.
Congrats young lady. I couldn’t really find a truck here in Virginia comparable to yours. They had smaller trans, good engines, prices of what I could see were over $159,000 bucks? Crazy, this is why I never bought one here. Your ins company is trying to er ah yeah!!!! Hang in there, you need to find a comfortable truck. $60,000 really? I’ll buy 2!!!! Good luck!🤗👍
I worked for a Kenworth dealer in the Pacific Northwest for 30; years. Those 2trucks chosen by your adjuster are not compatible at all to your truck. Do not accept their appraisal
I'm not.
Step 1: Ask them what they will sell you the salvage back for (in writing in an email) after a settlement is reached. Step 2: Exercise your right to have them defer to an independent 3rd party appraiser to appraise your specific truck. Step 3: With that number, let them total it, take the payout and then fix your truck. They have to pay off your $44k loan and remit the remainder to you, so if the difference between the settlement amount and the bill to fix it comes up short, reborrow the difference again from the bank to close the gap. Even if they give you $105K in the end, you'd have nearly $60K to fix your truck and you'll also have a paid off truck. But like I said, if you come up short somewhere and have to borrow $10K or $20k to make the ends meet, you still have your truck, fixed and you owe $10K or $20k (or whatever it ends up being) instead of $44k. Good luck.
thats AWESOME! I sure hope to get that box in the mail one day!!!!
Take the money, and get that 2002 with the Detroit and Allison. That’s a win! 🎉🎉🎉 have you driven something with an Allison? That tag axle probably wasn’t meant to be there, and was added after, just my opinion. Hopefully you get yours repaired.
I would never buy that clapped out truck 🤣🤣🤣
Hello Dauminique, the orange rotating light beacon on the side of that truck is likely because it's a public works truck ,dedicated to working on county roads, so needs a higher visibility profile.
If I remember correctly when I got my business auto insurance they used the replacement cost as the value. So a 1995 1 ton work truck with 200,000 miles had like $20,000 value when I paid $5,000 for it.
best advice for you to get the best valuation for your truck is to look up trucks that match your trucks specs perfectly including the pictures and milage of those trucks and get 3 to 5 different prices and be ready to send them to the insurance company, my mom cars got totalled a few months back and it was a limited editon all wheel drive van and the first valution they sent her was for the non limited edition with no awd, i found 3 diffierent ones on auto trader that matched hers exactly other than colour and milage but was still close to the milage and she emailed it to the insurance company and they wound up giving her 3000 more than she orginally paid for it used from a dealer
Went thru the same crap with Progressive on a rollback with Progressive a year ago where offered me several thousand less than replacement cost, and less than the value I had been paying premium on for several years. I held firm, even when they threatened to implement the "appraisal clause". When I agreed, they called back and agreed to pay my stated value.
Fix it. You know your truck and you don't want to deal with a truck that somebody else maintained, unless you have to. Good luck 👍
Gratz on 100,000 subs award & A year ago i lost a home to a fire & the insurance company was quick to settle as total loss but they sure dont give you fair or a break on prices. I once got cheated by my insurance company of 40yrs for a theft loss purely because i lost my proof on the pc i had due to a total wipe by a virus. After yrs in storage i couldnt find my paper copies of the items that were stolen & they actually sent investigator on me . Cost me good amount of money & at a bad time but learned my lesson on choosing the right insurance company. Wish you luck getting things done & getting back in shape get the dumptruck back to work.
I went through this a couple years ago with my western star 4900 quad axle dump. C12, 300k miles, 1 owner beautiful truck. Insurance valued it at $55k I valued it at $75k min. Went around and around with them and they would not budge. Finally ended up settling for $56k & they allowed me to purchase the truck back for $500. The shop I had it at was not willing to fix it (twisted frame) so I ended up selling the truck for about $18k. It was 3-4 month process dealing with it. Good luck
The London truck is 15 miles from here. That thing has been through hell and back, I can promise. The yellow light is used when the truck has a salt spreader in the back. It’s been contracted to the state at some point for winter snow work.