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insurance and black ice

Discussion in 'The Garage' started by RubberFloorMat, Jan 5, 2005.

  1. RubberFloorMat

    RubberFloorMat 1/2 ton status Premium Member

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    Ok so i crunched the Blazer that ive had less than a week ...:mad:

    Black Ice sucks.

    need LF fender, Inner Fender, rad support, bumper..etc some suspension bits and a alignment.., got a estimate of 1500 bucks to get it done.

    Ive got State Farm, no accidents or tickets EVER.

    should i try and do all this out of pocket or just have the insurance pay for it?? how bad do yall think ill get ripped if i claim it.

    i want it to look good, and its my daily driver so i cant spend alot of time working on it.
     
  2. tRustyK5

    tRustyK5 Big meanie Staff Member Super Moderator GMOTM Winner Author

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    You could probably find and replace those parts yourself for about 1/3 the price...then add the cost to have it painted. I'm going to guess you'll still come out ahead.

    Rene
     
  3. tRustyK5

    tRustyK5 Big meanie Staff Member Super Moderator GMOTM Winner Author

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    One other thing...this thread is useless without pics. :D :D


    Rene
     
  4. HarryH3

    HarryH3 1 ton status Author

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    What year truck? Someone may have parts fairly close to you. :cool1:
     
  5. kennyw

    kennyw N9PHW Premium Member

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    If you can do it yourself out of pocket, it will be alot cheaper in the long run. Buying the parts and installing them are the easy part. Taking it in for paint to match the rest of the truck would be a few bucks though.
     
  6. kennyw

    kennyw N9PHW Premium Member

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    His profile says '91 K5.
     
  7. k20

    k20 3/4 ton status

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    if it is 1500 bucks, and you turn it in, theyll try to total it in all likelihood.
     
  8. R72K5

    R72K5 Banned

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    naa i doubt it, state farm gave my stepdad two checks well over a grand for hail damage to his 82 k10 four years ago, and its just a normal rusty old 4x4 chalky bad paint needing new bed and doors very badly missing lots metal

    good luck
     
  9. fatbob

    fatbob 1/2 ton status

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    If you turn it in YOU will not be accident free anymore, and its not like someone ran into you, so I think they will jack up your rate pretty bad. I would fix it and not tell the ins. co.
     
  10. RubberFloorMat

    RubberFloorMat 1/2 ton status Premium Member

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    our insurance agent is really nice, what were probably gonna do is wait to see how much it would affect us with a claim and then decide. i carry full coverage on it.

    i added all the stuff up thru LMC catalog and its less than 500 bucks for everything....not counting paint.

    Its a 1991 K5 Scottsdale, no options but its in great shape, only 120k miles, 2 owner. paint has that clearcoat oxidized off but no dents or rust...well until now anyway.

    6" Rancho Lift, Pro Comp RS9000 Shocks and 33 12.50's.

    and i cant find the usb cable for my camera..so no pics:mad:

    also something is bent in the steering, i think the pitman arm is bent it tracks straight, but it doesnt tun far to the left, full radius to the right but only half to the left
     
    Last edited: Jan 6, 2005
  11. 90gmcburb

    90gmcburb Registered Member

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    Sounds like me, I had an 89 Bronco that State farm totalled, I was scared on how much my insurance would go up. I was accident free for 10 years, I just got my new bill for the burban, and it is less than what I was paying for the Bronco. I guess it all depends on you standing with them. Good luck.
     
  12. tRustyK5

    tRustyK5 Big meanie Staff Member Super Moderator GMOTM Winner Author

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    You could check your drag link, sounds like the adjuster slid on the DLE's when you hit. I'd take a long look at the steering box too, that area is already prone to cracking so depending on the dynamics of the impact you may have some frame damage in that area.

    Rene
     
  13. RubberFloorMat

    RubberFloorMat 1/2 ton status Premium Member

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    had it up on a lift and looked it over, nothing appears to be bent or anything but we still couldent figure out why it wont turn all the way to the right...goes about 1/2 a turn and stops like its hit the steering lock.

    had an idea that maybe the gear box slipped a few teeth...sound plausable??

    the upper nad lower ball joints are going to need to be replaced but thats all we could find, realigned it and its within spec.
     
  14. tRustyK5

    tRustyK5 Big meanie Staff Member Super Moderator GMOTM Winner Author

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    You could also have a broken center bolt on one of the front leaf springs. This would shift the axle back a little on one side and mess with the steering. Measure from the front hanger to the diff on both sides...

    Rene
     

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