PMD03 said:

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In South Texas, that is back on the road next week after replacing the quarter panel (with a mismatched color) and cutting off the edge of the bumper close to the tire.

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satexas said:

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They are not going to give you blue book, they're going to give you what it cost to buy another one of that year make and model and the miles you have on it. They take your vehicle and what you had as far as base model, any extras don't count, and they're going to comb dealer lots in the market as it is today and give you that.

Being that your truck is seven years old…

I don't see you getting anywhere close to 43K. No way. Maybe half that.


And in Texas, if the Frame is even remotely bent, It's totaled. It's basically the law. They will take your truck and auction it off for pennies and somebody else will get it and fix it on a salvage title, And it will be considered unsafe for the rest of its life because of the frame is bent.

If the frame is not bent, and it's cheaper to fix it than it is to give you what they feel, the value is as I explained above, then they will fix it. That is generally up to the Collision specialist that will look at it first and report back to the insurance company on an exact amount, and if the frame is bent.

It also depends on whose fault it was… And what I mean is whose insurance company will be making this decision…. If it was not your fault, you will be at the mercy of their insurance company not yours…. The only thing your insurance company will do is help make sure you get taken care of by their insurance company, that's about it..

If it ends up at a collision specialist and they decide to total it, you need to get your ass over there and get that bed cover off for starters. Because you Aren't going to be compensated for that. Until you sign your truck away to the collision specialist once they decide to total it, the truck is still yours and you have the right to get that off and keep it. It will not diminish the value and bargaining you get from the insurance company over the amount you will receive on the vehicle being totaled because you will be compensated for a base truck without extras such as specialty rims or truck covers or aftermarket items. If you bought those items within 12 months, you have a small chance of being compensated for them, but I highly doubt that it's the case… And yes, they will want receipts and proof.

So get ready for that. Just remember, you have all the rights on your truck until the insurance company and agree to a settlement check and you sign away those rights of power of attorney over the truck and thus sell it to them Via the settlement of totaling it.

When somebody hit my 2021 F150 power boost that was in mint condition. I made it very clear to Geico and the collision company that I was getting my stuff back…. Rims, bed, cover, and tires and wheels… my rims and tires were worth far more than my brand new 2026 truck that I bought to replace it… so I bought the new truck, drove over to the collision company and had them pull off my rims and tires… and took my new truck and those rims and tires to discount tire and had them swap everything out… then I took back my new Ford rims over to the Collision company and had them put that on the totaled truck. Geico agreed to this because all they cared was that comparable stock level rims and tires were on the truck.. they didn't care about the quality of the rims outside of that which was listed as stock nor how tread dead the tires were or were not…. Because it's all about checking off boxes…. And I took my custom license plates too, and put them on the new truck also.

PS-Progressive is one of the worst. Sorry man.

My wrecked 2021 truck (hit from behind) with my brand new 2026 rims…. And old tires….

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satexas said:

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They are not going to give you blue book, they're going to give you what it cost to buy another one of that year make and model and the miles you have on it. They take your vehicle and what you had as far as base model, any extras don't count, and they're going to comb dealer lots in the market as it is today and give you that.

Being that your truck is seven years old…

I don't see you getting anywhere close to 43K. No way. Maybe half that.


And in Texas, if the Frame is even remotely bent, It's totaled. It's basically the law. They will take your truck and auction it off for pennies and somebody else will get it and fix it on a salvage title, And it will be considered unsafe for the rest of its life because of the frame is bent.

If the frame is not bent, and it's cheaper to fix it than it is to give you what they feel, the value is as I explained above, then they will fix it. That is generally up to the Collision specialist that will look at it first and report back to the insurance company on an exact amount, and if the frame is bent.

It also depends on whose fault it was… And what I mean is whose insurance company will be making this decision…. If it was not your fault, you will be at the mercy of their insurance company not yours…. The only thing your insurance company will do is help make sure you get taken care of by their insurance company, that's about it..

If it ends up at a collision specialist and they decide to total it, you need to get your ass over there and get that bed cover off for starters. Because you Aren't going to be compensated for that. Until you sign your truck away to the collision specialist once they decide to total it, the truck is still yours and you have the right to get that off and keep it. It will not diminish the value and bargaining you get from the insurance company over the amount you will receive on the vehicle being totaled because you will be compensated for a base truck without extras such as specialty rims or truck covers or aftermarket items. If you bought those items within 12 months, you have a small chance of being compensated for them, but I highly doubt that it's the case… And yes, they will want receipts and proof.

So get ready for that. Just remember, you have all the rights on your truck until the insurance company and agree to a settlement check and you sign away those rights of power of attorney over the truck and thus sell it to them Via the settlement of totaling it.

When somebody hit my 2021 F150 power boost that was in mint condition. I made it very clear to Geico and the collision company that I was getting my stuff back…. Rims, bed, cover, and tires and wheels… my rims and tires were worth far more than my brand new 2026 truck that I bought to replace it… so I bought the new truck, drove over to the collision company and had them pull off my rims and tires… and took my new truck and those rims and tires to discount tire and had them swap everything out… then I took back my new Ford rims over to the Collision company and had them put that on the totaled truck. Geico agreed to this because all they cared was that comparable stock level rims and tires were on the truck.. they didn't care about the quality of the rims outside of that which was listed as stock nor how tread dead the tires were or were not…. Because it's all about checking off boxes…. And I took my custom license plates too, and put them on the new truck also.

PS-Progressive is one of the worst. Sorry man.

My wrecked 2021 truck (hit from behind) with my brand new 2026 rims…. And old tires….

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