TRUCK UPDATE | INSURANCE PROBLEMS AND TIPS
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- Опубликовано: 11 сен 2024
- In this vlog we update you on the status of our F-450. We also talk about problems we're having with out insurance and give you some tips for your insurance policies. Also, see how we do fight night!
30 years of P&C insurance experience. I would much rather have "used" OEM parts than new Chinese aftermarket. A takeoff bed was removed from a new truck so that a different commercial body could be installed. Yours is even the correct color; so less paint work is required. I would rather have factory paint, with light repair, than to have to entire bed painted in a body shop. Body shops can do great work; but factory paint is best.
Thank you for the feedback. That makes me feel better about the repairs and parts they’re using.
You are spot on with this observation! 👌
I worked insurance claims before. It is totally normal for salvage parts to be used in repairs as long as they don't compromise the overall integrity or safety of the work to be repaired. In other words, you're not guaranteed new parts.
And there really isn't anything wrong with that. It's just a bed and a rim, could had been the whole truck
You arent having problems with your insurance co, they are fixing your truck properly. Thats a very very well equipped shop, just let them do their job. Dont complain until you have something to complain about.
We tow RVs and trailers, too. Sometimes we watch these videos to see what we can learn. So first, thank you for the insurance information: good to know 👍🏼. Second, our first thoughts were that the vehicle was going way too fast for the conditions, and that perhaps the 5th wheel brakes were not set up properly. Thank you for the reminders, and thank you for posting.
Yes, the fine print in your policy always gets you. The term is “LKQ”. It means the insurance company reserves the right to use parts of “ Like, Kind & Quality “. It could be New OEM, used or aftermarket depending on what’s more financially in their best interest but they do have to restore your vehicle to pre-accident condition. Glad you’re all ok. In the end it’s all plastic and metal that can be replaced. Thanks for sharing!
I am following you folks to see how you are doing. Glad that no one was hurt in your family.
Stuff is replaceable, people are not.
Suggestion: Please be aware of background noise when you are recording, such as the busy road behind you. The view of the sky was nice, but the noise of the road was annoying.
You folks know how to eat good!
Ram
Looks like they are doing a nice clean job don't worry about the little stuff it's just a vehicle life goes on
Solid learning experience, especially to share with us, with good details of before crash through all the whoops to jump through & getting rolling again, to aftermath of dealing w/insurance... oh, and the insurance ripoffs!
As an adjuster, you want to check your policy language. I've worked in Insurance over 30 years... every Insurance company outlines the parts that can be used to repair your damaged vehicle. While I have never worked for a company that requires use of "Used" parts, they have outlined aftermarket parts and many people assumed aftermarket parts are used and they aren't. But look to see if your estimates call for reconditioned or recycled parts. Also, Insurance helps put you back in the position you were in "Just Prior" to the loss. Giving you OEM parts may put you in a "better" position, so insurance will usually offset that betterment to the insured. Also, You can add an endorsement onto you policy which allows you to pay a higher premium to request OEM parts in the event of a loss.
Good luck glad you guys are ok and getting back on the road soon
Thank you. We’re enjoying having a home base and taking the RV on trips now.
Great information on insurance claims and policy stuff.
My wife and I just purchased a Ram Laramie 3500 Diesel Dually and Toy Hauler to haul our Harley-Davidsons around. I’m semiretired and we basically live off of my military pension.
What I’m trying to say is I don’t make much and we live off of a fixed income while trying to make it work while full time Rv’ing in the future.
I’m so glad things have settled down a bit for you and your family. I look forward to hearing news about your family and you moving forward.
Also one last thing. The food, entertainment and enjoying yourselves is a great ending to your video.
✌🏽🇺🇸🙏
My suggestion is to not waste money on discount insurance outfits. I'm not wealthy but have always carried auto insurance with either AAA or State Farm for the past 48 years. The few times I've been involved in accidents State Farm stepped up to the plate immediately and fully. No shortcuts no stalling. Take my truck to quality shops of my choosing, get quality workmanship and parts. Claims were settled almost immediately and they'd assist in easing any inconveniences throughout the accident and repairs. AND, they never jacked up my premium to recoup the cost for repairs, regardless of fault. I've known so many people who have had to hassle and fight their insurance company over claims. As I said, I'm not rich but my premiums aren't all that much higher than the lesser known discount insurers but boy what a different service you get when you need it most! Just my two cents. MOST important is no one was hurt. Happy n safe travels ahead. :-)
State Farm screwed me over when I had a flood. I would never use State Farm again
I don’t buy discount insurance. I go with reputable companies. Even then, you’ll run into not issues.
@@msmo2060 did u have flood insurance. They classify that as acts of god. They won’t cover if your house gets hit by a tornado ins either. You have to read the whole policy.
It's a used truck, therefore it gets used parts. perfectly normal. Lots of peeps are under the impression their vehicle will be new.
All vehicles are used once your drive them...
5:25 that right there is insurance fraud, and they should have returned the new bed fenders and reused the fenders on the take-off bed.
I appreciate the recording, that shop is now on my radar.
READ your policy! Watch for the word “like” parts. It can be parts stamped from the old dies with lighter weight metal and it might fit or not. You’re probably lucky because they might be making aluminum panels yet.
We’ve learned that they can use “like kind and quality parts.” We can also pay extra on our policy for new OEM parts. It’s a learning experience. Thank you for your comment.
Insurance rates will increase if you are in a at fault accident. If it is a multiple vehicle accident and you are not at fault it may not
Our rates increased a lot. I switched companies because of it.
Is this your first time buying insurance? I knew this at 16 years old.
@@michaelc9217 of course I knew our rates might go up. Nothing I could do about that. The amount of the increase was a little excessive though.
Looks like a tough Ford frame, and it didn't twist whatsoever in the wreck despite however the bed looked afterwards. Have you thought about having airbags installed?
Your truck is a brand new model. Even if the parts are used OEM they are going to be practically brand new. That take off bed was probably off a truck with less than 40 miles on it so yeah it's "used"
Yeah, the truck came out great. We were worried about the used parts but I’m happy with the repair results.
If its suspension engine stuff along that line it will be new body panels used is okay. Thats the way it was explained to me when my wifes car was hit
How bad did you damage your trailer? Was it totaled? i have a Fleetwood Raptor. i felt your pain. The kid in the follow vehicle is a special kid. Instead of laughing this child knew you were in trouble. That shows a lot of insight. I've battled Fleetwood with troubles from the very start. So many. But this is your thread. i felt the thrill of going down Wolf Creek pass once with no brakes and a 20 foot Holiday Rambler. But I hit the run away ramp at the bottom of the hill. I just had a major brake job. It looks like you damaged your slides outs all the way down that side. I can't find a follow up vid on your trailer.
The tires that come on these trucks are about the best u gonna get, I have Firestone on my 550 and they are horrible in snow. Closed shoulder tires. I saw a pretty decent Bridgestone that had sort of a open shoulder till about half tread. The Firestone I have have terrible balancing to them, some times they vibrate around 60-65mph sometimes they dont. I would not get them again. Horrible in any kinda snow or mud.
I wouldent care where they got the parts as long as they are oem parts
Yes it called LKQ and then we put bondo to fix any dents. Truck is ok but now has an amount of bondo in it so it looks like there is no damage to it.
I'm just glad to see you are ok.
Whatever you do, do not buy a Holmes Home! Trust me my first home was built by them and I lived in that nightmare for 9 years. Don't walk away, RUN!
I’m sorry you had to go through that. Funny thing is, they’re building in the community where bought. They’ve had some issues and I’ve heard there are some lawsuits against them due to foundation issues. We bought an AJ Construction home and we’re very happy with it.
get that house looks really nice and futuristic
Thanks! We actually end up buying a different house in the same neighborhood. You’ll see it in the next video. I plan to post it in the next couple of days.
@@adventuredotlife so you bought a house. Nice.
Did the crash end your full time rving lifestyle or was it time to move into a house anyway?
Do you plan to continue to part-time rv?
@@calebbyers it didn’t end our full timing. It just put it on hold. We bought the house as a home base and so we wouldn’t have to keep paying rent while we wait for our trailer. Investing that money in a property made more sense. Plus, we’ll rent it while we travel.
@@adventuredotlife neat. Glad you are still keeping up the traveling. Did they total or repair the trailer? The last video I remeber hearing about it it was undecided.
Have you considered going to a motorhome?
@@calebbyers the trailer is being repaired. I talk a little about it in the next video. I’m hoping to get it out in the next couple of days.
You could have gotten a brand new bed for it if you asked how much the difference in price. It probably would have been worth it not to have BONDO and used parts.
The damage was minor. It actually came out nice. The damaged area was repaired then covered by the spray-in bedliner.
Just hate insurance companies they pay a bunch of people to deny claims instead of paying out.
Select a reputable insurance company and READ the coverage.
But does that white match the truck white. Are those tires continental tires? What's going on with the RV?
I am a forty three year body man and I don't think that the insurance company can put used parts on your truck unless it is five years old or older., CK in to that.
You can ck with the insurance commissioners in the state, you are insured in and the state you were in when the accident occurred.
Say what you want about F series trucks (I've burned 2 into the ground hauling and will never have another) but.....theybare one of the absolute best in protecting passengers in crashes. How's the kiddos and wife handling things they saw?
New parts just increase your premiums. Your vehicle gets "rebuilt status" and eats all the black book value of the vehicle. For you, you're still getting your truck back in restored condition like new. But your insurance rates will skyrocket for several years. The truck is worth more as salvage than rebuilt. Don't waste your time rebuilding it unless parts are cheap. Resale?? Lucky me I'm not a ford fan. Oilfield trucks are cheap!!
Man you sure do have a tough life
Lol!
thats not bad for all u have wait till youre kids starts driving 2500 for under 26 first time driver than if they have a claim u my not even be able to obtain insurance
paid for insurance and they're not even going to pay it all out. insurance is a scam!
Our insurance paid a lot of money out. More than they should have in fact. We’ll have a new video out by the end of the year to explain this. Stay tuned and thank you for watching.
@@adventuredotlife you mean we paid a lot of money out. insurance companies make money they don't lose it.
I would have got a flat deck with sides
We carry a lot of stuff in the truck bed so having a pickup truck bed works best for us.
Are you going to replace those parts that you have to replace yourself?
I haven’t replaced the tonneau cover yet. I did buy mud flaps but not the Rock Tamers.
Insurance is the biggest scam, you pay good money only to have them cut corners at the blink of an eye.
The vehicle wasn't new when it was damaged, therefore you don't get brand new parts all of the time. Otherwise, double your rates you pay.
I would rather have used factory body parts than new aftermarket ones. Aftermarket typically don’t fit as good as the factory components.
The instant jump in policy cost is an eye opener. If it was his fault or other cars involved it “may” be understood. However, that was a huge jump in premium!
In the end, you are ok and you have a beautiful place to stay. Be well!
So y’all are not going to be full time RV’ers any longer?
Rather than Full Timers we like to say we'll be Anytimers. :) The house is an investment and also a home base. We'll rent it out when we're not there and stay in it when we want a break from traveling. It will also be a place we can store our stuff rather than paying for an expensive storage unit.
always demand oem
I hate to say it but this is a prime example of why people go with Semi Truck RV hauler to pull a 5th wheel.. cause as you seen the 5th wheel pushed the Dually right off the road. But it would have NOT pushed a Semi Truck RV, cause they are made to handle 80,000 to 100,000 Lbs of weight behind them. Lessen learned.
Pickup vs semi has nothing to do with it. He was going to fast for condition's. Semi trucks wreck all the time from speeding in snow or ice.
@@bigjimmy2225
The 5th wheel would have NOT pushed the Semi Truck off the road. . Like it did the Dually
Not true as I'm a Class A licensed holder and haul oversized and overweight equipment. To me it looked like trailer brakes weren't balanced with the truck brakes. Also on ice, once the tires lock up your screwed 95% of the time, weather its a f450/550 or a class 7or 8 truck
If trailer brakes were set properly it would've straightened the truck out before it got outa control. But on ice u have no control
@@kwmiked you can have the best breaking system in the world all set up correctly But you hit that ice you are going for a ride with NO control where you are going or end up I've driven semis all My working life and when there going to go your going with it, semis or pickups wet tyres on icey roads going down hill your in the c#$p.
But NOT if it voids your truck manufacturers warranty. The bed may not be part of that warranty
☘️
Who's your insurance company?
National General
They can cut that hitch off in a jiffy
@@soillife1 30 seconds with a battery powered angle grinder and cut off wheel. Had to cut same one off my truck due to corrosion running in the northeast.
LIVE
Man you all just had a full on cluster probably should just get out of this whole “camper life” thing oh and from personal experience with your insurance carrier they are idiots and suck
I think you might be nightmare customers of that body shop. Stay out of there and let them do there jobs.
I don’t think they thought that when we had lunch catered for the whole shop after we got our truck back. Not to mention that some things were missed and we had to take the truck back after they said it was complete. The shop was great but we had questions and we think it’s important to stay informed about the repairs.
@@adventuredotlife We appreciated the Lunch for sure!
😅😅 everyone has the masks on that are proven not to work. Document that scam. 🤣🤣🤣