wouldnt count on it red ranger... the passenger door won't open and the driver only opens from the inside. they are pretty beat up you can find pictures though if you wanna see if they'll do what you want.

Andy was it bad? are you alright?

 

I side swipped some girl it just messed up my waag bar and ripped her bumper off. I will post pics tommorow and tell the whole story

 

damn the waag bars in houston are doomed to failure, that's nuts! sorry to hear about that Andy..

 

Ouch sorry andy! Hope everything gets worked out alright.

 

Was the captian driving?

Aaron

 

No kidding! Maybe it's time for a trade.. At that rate, I could make some real money!

 

^yeah me too! I could walk away with 500 bucks more than I paid! haha.

I got mine for 16k with 9500 miles and an Gibson exaust already on it.

 

dang!

 

wait a second.... correct me if i am wrong, but say you insured your vehical as a stock vehical, but added all kinds of stuff to it.... the insurence company will only give u the stock value, meaning all the goodies, are gone.... so u should be able to yank those goodies regardless....

next thing, i dont understand this maybe you folks can explain it.... you bought the truck, u maintaned it, and stuff, u get into an accident with it, like gearhead, no other parties involved just you... how does it "magically" become the insurence companies truck? they didnt pay for it... you did... so this "buy back" price **** is just a way for them to squeeze even MORE money out of u... sure, they can "total it" but, even if they did, how is it THEIR truck... its not, its YOURS YOU own it, so YOU can take what ever aftermarket part you want off it... like this...

so you wanna keep the truck to part it out, its ur truck, but totalled, why do u have to pay the insurence company? its your truck. not theres.. YOURS.... see i dont get that... untill they give u money for the vehical, its your and u can do whatever u want to it and take what ever u want to take off it... after all, u paid for it...

 

Here's what I did for my accident in Feb. Also, your zip code will vary how much you'll be quoted on any of the below sites (KBB and NADA)....

I went to KBB and NADA to get quotes on my '93 ranger. Some FYI Specs

- 4.0L V6 manual
- 2wd
- XLT
- power steering
- AC
- 172,441 miles
- Ext Cab
- Bed liner
- CD player
- Manual doors/windows
- Sliding Rear Window
- premium wheels (my upgrade from 14 to 15 inchers)
- oversized off-road tires (went from a light truck performance tire to LT 235 BFG A/Ts)

With just that entered, I was getting a retail quote from KBB of approx. $4200. Retail is what it would COST ME TO REPLACE my truck with these specs! I then did a private party quote. I was in good codition, only had 1 bad scratch on her. Private Party quoted out at approx. $3200

At NADA low retail was 2750, average retail 3750, and high retail 4425.

I also had receipts from my new clutches....yes plural, local shop replaced my clutch in May '04 and it died 2000 miles later, they warrantied it (forcefully) and that died in 1000 miles. I took it to ford (same dealer that just did my Fx4) and had them replace it.......worked a-ok.....new R&R mazda tranny, BRAND new brakes (600 miles on them), my new wheels and BFG tires (just under 1000 miles on those), and new O2 sensors. I can't locate the exact letter from State Farm, but they gave me approx. $5600 for my totalled '93! I kept my 15x7 wheels and my LT235/75/r15 tires (ad to be posted in the future). I told the insurance rep on the phone that I had quotes from both NADA (my state goes by NADA) and by KBB. They asked for those quotes. I also told them....look these are RETAIL quotes. This is what it would COST ME TO REPLACE MY EXACT TRUCK BEFORE the wreck.

So yeah, on NADA and KBB judge what you think your insurance quote should be on your truck based on what NADA and KBB quote you as RETAIL RETAIL RETAIL RETAIL! After all, that's what it would cost YOU to replace it with the SAME thing (of coruse minus your lift and a few other things....stock essentially).

Edit: stupid typos

 

If he gives them the receipts they should (MAY) take into consideration those aftermarket goodies into the quote they give him. If they do that, those items become the property of the insurance company, technically. Now if they tell him they're only taking into consideration items that are stock, then he MAY remove the non-stock items AS LONG AS he returns the vehicle back to stock. It's a double-edged sword, sorta.

As for how his (and mine...my '93 see above post) truck becomes the property of the insurance company. I don't remember how that works. I'll try to explain it in a round-about fashion. If I do recall correctly though, he may do anything he wants to it, as mentioned in the above paragraph, UNTIL they give him a quote. Once they quote him (which he can argue it) that is the price they are willing to BUY it from him in a wrecked condition. AND for however much they told him from the quote he has the option to accept their quote and then BUY back the vehicle....which in your case I think is stupid....UNLESS the quote they told you factors in all the aftermarket stuff. If it does factor in the aftermarket stuff(I forget who said it, but get an ITEMIZED list of what they are basing their quote off), I do believe you have more $$$ in the aftermarket items (even in used condition) then what the buyback price is, thus you'll come ahead some.

Fun stuff.....more reasons why I'm a biology major and not an insurance claims adjuster.

 

Ha.. yeeeeah.. Go read your insurance policy dude..

 

Even if you don't like my legless friends, Colin, I seem to like you more and more as a person. LOL!

Um yeeeeeah, did you get the memo on the TPX reports (substitue with insurance copmany vehicle soul sign-over)?

 

Dave, until I cash the check they give me, it is still my truck. I requested an itemized listing of the settlement, so we'll see where that takes us.

Chris, I just had $1k in transmission work done, think I could get them to cover some of that? It was done less than 2 months ago. My argument on retail is also that. It's what it would cost to replace with the EXACT same truck before it was wrecked! KBB puts my truck at $14,625 and NADA puts it at ~$13500, but it doesn't take the 4.0L engine into account, which is VERY rare in Texas and would make the value go up several hundred dollars.

 

They might, or they may just tell you it was general upkeep on the vehicle.

As for NADA, that's what i HATE about their quotes. They just take into consideration your location and then the year and mileage (IIRC) and don't allow you to factor in other variable like KBB does (which is most likely why KBB usually quotes higher).

I submitted copies of ALL receipts: clutch work, trans work, brakes, O2 sensors, new tires. The really cool thing, and I have yet to hear back, but about 2 months ago I got a call from my insurance rep. They were calling to ask me how things were etc. They also called to tell me that for X reason (I forget the reason, maybe something based on my policy) once my truck sells at the salvage yard I'll receive $250 back. That'll be $250 towards something for my truck....maybe some Hellas, or maybe tires/lift/ etc?????

Just for sh*ts and giggles, I checked KBB on suggested retail value on my truck with 20,150 miles (I hit the 20K club last weekend )

Engine: V6 4.0 Liter
Trans: 5 Speed Manual
Drive: 4WD
Mileage: 20,150

Equipment
XLT
Air Conditioning
Power Steering
Power Windows
Power Door Locks
Tilt Wheel
Cruise Control
AM/FM Stereo
Cassette
Single Compact Disc
Premium Sound
Dual Front Air Bags
ABS (4-Wheel)
Sliding Rear Window
Bed Liner
Grille Guard
Towing Pkg
Premium Wheels
Ovrsize Off-Rd Tires

Retail Value $22,400
Trade-in is $16,250 (still more than I paid, by only $250 HA!)

Nada quotes at (and it gave me options, like the FX4 Level II package...SWEET! It didn't give me any options for my 93):

Average trade-in: $11,775
Average Retail: $14,225
....these are before my options....

factored options:
Average trade-in: 17,375
Average retail: 20,525

 

Your example doesn't really seem to show that.. The figures look pretty darn close to me, within 5-10% anyway.

KBB puts mine in at: $12.7k trade, $15.3k private sale, and $19.3k retail
NADA puts ine at: $15.9k trade, $19.8k retail

Now clearly NADA defines 'trade' differently than KBB does. But the retail price is pretty damned close.

One interesting thing is NADA seems to give more options (ie the 'LII' option), yet doesn't account for engine size (other than V6 vs I4). And KBB accounts for condition, yet NADA doesn't seem to. I'd put more faith in the KBB figures, especially considering mine has a few scratches and scrapes, and so I classified it as 'good'.

On a side note: do you think BFG AT's in 31x10.5x15 size qualify as 'oversize off-road tires' for KBB?

 

Probably not, but our stock BFGs are off-road tires and only come stock on the FX4 package.

What was weird though, when I did quotes on my '93 through NADA it didn't give me any options other than whether I was 4x4 or not. Whereas when I quoted my '04 it (as you saw) gave all sorts of options. I assume that if we put FX4 LII as a checked option that maybe it assumes we're the 4.0L. Afterall that is part of the FX4 "package". the 3.0 isn't an option.

 

That doesnt work for me though...

 

So are there parts for sale =]?

 

Yep. Send me a PM with what you're looking for and we can go from there.