Got rearended today...

[notstock71]

Thanks for the advice everyone, here's the latest as of today.

Well Progressive came out and gave an estimate on the truck. It came back at $825. $400 for a bumper assembly and $400 to pull the frame. I took it to the shop who did my Nova and he said it is a fair amount and he'd do the work for that. I feel better about that part.

Now the bad. I called the Dodge dealer I was dealing with on possibly buying a new truck. 2 weeks ago they offered $14000 trade in on the truck. Now they will only give $12000 after it is repaired. This is explained as depreciation especially since Carfax will flag the truck as having previous frame damage. I understand where they are coming from with this. I called Progressive back and explained that since the accident my truck is now devalued $2000. The agent disagreed and started citing things that will take too long to type here. I told her my attorney disagrees with Progressives stand on denying this claim. I told them if needed we will file suit against the vehicle owner and driver. Progressive will then be liable for providing them an attorney. If I won they would also owe my attorney fees plus settlement. The adjuster passed me to a manager which is who I am dealing with now.

The manager calls and says Nebraska law does not require Progressive to reimburse for depreaction and stated depreciation will not exist if the vehicle is repaired correctly. I disagreed citing any history search will show the accident and frame damage. He told me the dealer can't lower their offer on trade in, it's against the law. Whatever. I called Dodge and the Sales Manager called the Progressive manager and explained his case and stood his ground on the lower offer. Progressive never called me back after that.

I'm not trying to abuse the system but I think everyone here will agree that with frame damage the truck is worth less even if it is fixed. Heck, the GMC dealer said no more than $10000 trade in because they would not sell a truck that had that type of damage and they would wholesale it immediately.

Once again, I AM NOT trying to abuse the system but I definately want what is owed to me. Opinions??