smilingnomad
New Member
- 19
All,
I need some guidance on how to help a family member who was involved in an auto collision.
A family member was involved in a rear end collision in which they hit the vehicle in front of her at about 8 mph. Family member was in a '14 Subaru Forester valued at $15k sustained about $6.5k in damage and the vehicle they hit was a 2019 or 2020 Ford F-150, valued at $55k.
The insurance for the F-150 is claiming the frame is bent (what happened to built Ford tough?) and are trying to write off the entire value of the truck. Seems there are similar claims for these trucks, but all have been 30-40 mph collisions (see source here). In those collisions, the rear bumper bend in a similar way (under the truck). In most cases, the action taken is to replace the frame or weld on a new frame section (heck, Ford provides the new sections).
Problem is, family member has (and didn't realize) insurance which will only cover $30k of repair costs on the F-150, leaving them potentially on the hook for the other $25k. Family member works is a recent grand with a mountain of school debt. They're worried about being sued by the other insurance co to collect the balance.
Questions I need help with:
I need some guidance on how to help a family member who was involved in an auto collision.
A family member was involved in a rear end collision in which they hit the vehicle in front of her at about 8 mph. Family member was in a '14 Subaru Forester valued at $15k sustained about $6.5k in damage and the vehicle they hit was a 2019 or 2020 Ford F-150, valued at $55k.
The insurance for the F-150 is claiming the frame is bent (what happened to built Ford tough?) and are trying to write off the entire value of the truck. Seems there are similar claims for these trucks, but all have been 30-40 mph collisions (see source here). In those collisions, the rear bumper bend in a similar way (under the truck). In most cases, the action taken is to replace the frame or weld on a new frame section (heck, Ford provides the new sections).
Problem is, family member has (and didn't realize) insurance which will only cover $30k of repair costs on the F-150, leaving them potentially on the hook for the other $25k. Family member works is a recent grand with a mountain of school debt. They're worried about being sued by the other insurance co to collect the balance.
Questions I need help with:
- Anyone else heard of these minor collisions causing write offs on F-150s. If so, were you successful in getting frame replaced repaired vs. truck written off?
- What can she do to push back on the insurance co and get them to take more reasonable action?
- Wondering if I should hire an attorney for them, and if so what kind.