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Old 09-29-2018, 07:19 PM   #1
'65 chevy lover
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The insurance adjuster

When I told the insurance adjuster that I wanted all OEM parts on my truck, he asked me to try to give him a price for the parts. Should I try to do this or should I tell him that's his job? I know new OEM parts for our trucks are rare and very hard to find. Should I forget about that and just rely on places like LMC? Thanks for any help.
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Old 09-29-2018, 07:35 PM   #2
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Re: The insurance adjuster

I'd certainly try, but you're going to have to be realistic about it also. I assume you had an accident, whose paying? Yours or theirs?
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Old 09-29-2018, 07:37 PM   #3
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Re: The insurance adjuster

You could tell him it's his job, but he'll not likely do it as well as you would.
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Old 09-29-2018, 08:40 PM   #4
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Re: The insurance adjuster

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I'd certainly try, but you're going to have to be realistic about it also. I assume you had an accident, whose paying? Yours or theirs?
Yes, had an accident. A single vehicle. Read about it in thread: Wrecked the truck
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Old 09-29-2018, 08:42 PM   #5
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Re: The insurance adjuster

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You could tell him it's his job, but he'll not likely do it as well as you would.
Agreed. But of course their only going to pay so much. From what most people have told me, insurance will most likely total it.
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Old 09-29-2018, 09:29 PM   #6
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Re: The insurance adjuster

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Agreed. But of course their only going to pay so much. From what most people have told me, insurance will most likely total it.
The above is true. A super original survivor with low miles might warrant the extra expense and trouble to locate OE parts, as the vehicle value would support the claim. A truck already equipped with lots of aftermarket stuff isn't going to impress the adjuster, if he knows what he's looking at.
I obviously do not know your truck well, so I think it kinda depends on how original your truck was and whether you want it totaled, or put back on the road with LMC parts.
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Old 09-30-2018, 12:17 AM   #7
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Re: The insurance adjuster

Personally I would accept reworked used factory parts over new aftermarket parts, if they can be found.
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Old 09-30-2018, 01:45 AM   #8
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Re: The insurance adjuster

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The above is true. A super original survivor with low miles might warrant the extra expense and trouble to locate OE parts, as the vehicle value would support the claim. A truck already equipped with lots of aftermarket stuff isn't going to impress the adjuster, if he knows what he's looking at.
I obviously do not know your truck well, so I think it kinda depends on how original your truck was and whether you want it totaled, or put back on the road with LMC parts.
My truck was original except for some of the floor that was replaced and outer rockers. I guess my question is answered. I would rather it be done with original parts. But I want it back on the road to.
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Old 09-30-2018, 01:46 AM   #9
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Re: The insurance adjuster

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Personally I would accept reworked used factory parts over new aftermarket parts, if they can be found.
I have to agree with you.
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Old 09-30-2018, 06:27 AM   #10
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Re: The insurance adjuster

without knowing what type of policy you have, might suggest taking it to a classic vehicle restoration shop and obtaining a quote from them.. you and your adjuster can start there and negotiate what parts will be nos, repaired, aftermarket, etc.. if they salvage it, you should be able to buy it back and fix however you choose..

good luck!
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Old 09-30-2018, 09:55 AM   #11
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Re: The insurance adjuster

Looking at your other post, yes it was an original truck but it was not a show quality truck. Unless you want them to total it, I would use LMC pricing and hope they don't. OEM parts are going to be very hard to find and $$$$ if in perfect, new shape or will be $$$$ if the body shop has to strip, fix, fit and paint.

Insurance typically will only pay out to about 60% of a vehicle value before they total it, as it becomes more cost to fix then to total. I hope you had an agreed value policy and not just a standard type policy. A standard policy, I think you are going to be very disappointed in the outcome.

Good luck.
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Old 09-30-2018, 10:35 AM   #12
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Re: The insurance adjuster

I have to agree here^ with Mike. Way back I had a guy back into my truck and damage the stepside bed, I found a suitable replacement for $400, the insurance guy wanted to total the truck because the paint and all that needed done.
When I mentioned I had an agreed policy, things turned different, I had it appraised and they cut a check with that in mind. $ before accident and $ after and the cost of parts.

Good luck, I would get an appraisal on my own.
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Old 09-30-2018, 11:00 AM   #13
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Re: The insurance adjuster

My Grandpas 2 tone 92 dually was salvage title after they egged it. Just the paint alone.. still repainted a solid color. My 96 Sebring coup Totaled because Viper Black and silver had to spray whole car to match. Durango same thing. Chestnut Pearl as soon as the paint code came up. They wanted to total but I kept it and made a pre runner.
So unless you got a "Value" policy your kinda screwed
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Old 09-30-2018, 03:06 PM   #14
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Re: The insurance adjuster

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Originally Posted by chevy_mike View Post
Looking at your other post, yes it was an original truck but it was not a show quality truck. Unless you want them to total it, I would use LMC pricing and hope they don't. OEM parts are going to be very hard to find and $$$$ if in perfect, new shape or will be $$$$ if the body shop has to strip, fix, fit and paint.

Insurance typically will only pay out to about 60% of a vehicle value before they total it, as it becomes more cost to fix then to total. I hope you had an agreed value policy and not just a standard type policy. A standard policy, I think you are going to be very disappointed in the outcome.

Good luck.
Yes, it was far from a show quality truck. I think I'll just go with the cost of parts from LMC. It would be a long and difficult search to try and find OEM parts that wouldn't require work and be cheap enough in the long run.
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Old 09-30-2018, 03:49 PM   #15
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Re: The insurance adjuster

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Yes, it was far from a show quality truck. I think I'll just go with the cost of parts from LMC. It would be a long and difficult search to try and find OEM parts that wouldn't require work and be cheap enough in the long run.
I have inner fenders and core support that are rust free, these came off Clyde when I repainted. They are at my painters right now...let me know.
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Old 09-30-2018, 09:47 PM   #16
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Re: The insurance adjuster

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I have inner fenders and core support that are rust free, these came off Clyde when I repainted. They are at my painters right now...let me know.
Yes, PM sent
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Old 09-30-2018, 11:14 PM   #17
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Re: The insurance adjuster

Replied!
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Old 10-03-2018, 11:57 PM   #18
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Re: The insurance adjuster

Talked to the insurance adjuster tonight. He wanted to give me $2500 ($3000-$500 deductable) to cover the repairs. He did not total it which is good, but I told him I didn't think that was enough. I listed the hood but he rejected paying for a new one. I'm going to talk to him in the morning to discuss it. Judging from the pictures and the list of parts that I listed, what do y'all think about this. Is that enough? I'm sure if it goes too much higher he'll want to total it. $2500 just doesn't sound like enough to do all the work including paint.

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Old 10-04-2018, 02:33 AM   #19
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Re: The insurance adjuster

like I mentioned, get a professional estimate and discuss it with your adjuster..

if he's willing to work with you, should bed able to agree on a figure just south of salvage threshold..

your personal guestimates may not sway his opinion as much as a professional's..

good luck!
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Old 10-04-2018, 07:08 AM   #20
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Re: The insurance adjuster

Send him an NADA listing for our trucks! Then go to an independent appraiser and get their figure for the truck pre accident.

Also show the adjuster vehicles for sale near or at the same condition as yours.

$2500 wont cover the cost of paint for the front clip in these days!

Good luck!
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Old 10-04-2018, 12:28 PM   #21
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Re: The insurance adjuster

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like I mentioned, get a professional estimate and discuss it with your adjuster..

if he's willing to work with you, should bed able to agree on a figure just south of salvage threshold..

your personal guestimates may not sway his opinion as much as a professional's..

good luck!
Agree about an outside estimate. But I don't have a trailer or truck to pull it with and, I don't have the money to rent them.
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Old 10-04-2018, 12:49 PM   #22
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Re: The insurance adjuster

Sometimes they will come to you.


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Old 10-04-2018, 07:46 PM   #23
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Re: The insurance adjuster

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Sometimes they will come to you.


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I went to a local shop suggested by a buddy with pictures I had taken and, I'm going to another place tomorrow. I guess I'll see what happens. The adjuster acted like a complete a-hole(in my mind anyway...lol)when I challenged him about the estimate. I asked to talk to his supervisor and, he said he would tell them I wanted to talk to them, but no one has contacted me as of yet. I'll post here what I find out. Thanks for the link, I'll check it out. BTW, I'm looking forward to looking at those pieces we talked about. I do want them.
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Old 10-04-2018, 08:31 PM   #24
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Re: The insurance adjuster

I plan on going and picking them up Saturday.

Insurance companies used to be regulated in respect to clearing open claims within like 30 days iirc. Things may be different now.
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Old 10-04-2018, 09:25 PM   #25
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Re: The insurance adjuster

Sounds good.
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