May be totalled

[HBarlow]

Harvey, No contest here just trying to help a fellow member understand. Does this post help?

https://www.turbodieselregister.com/forums/2134331-post12.html

Yes it did! The photos in the old post were perfect. Now I get it and remember seeing the entire issue before. The crankshaft and crank journals are deeply recessed into the block for strength which probably greatly contributes to the legendary durability of the bottom end and service life of the mighty Cummins.

Thanks for the training.

 

[Grey Wolf]

HBarlow



Hummin Cummins, Good luck with your ride I hope everything goes well for you!

 

[Hummin Cummins]

Helllo flywheel. Good time for a clutch upgrade.



Son took this one for me today while he was at the shop. Took them 45 minutes to get the truck from the parking lot into the shop. I will stop to get some other carnage pics tomorrow. That was with his iphone, will have a real camera tomorrow. They got fender and bumper off, said its pretty twisted up.

 

[HBarlow]

The damage may be much more extensive than it initially appeared.

 

[KIKER]

A welder buddy of mine is in N. D. on some pipeline work and got a rude awakening. He was on a 2 lane blacktop following a semi dump trailer loaded with some rock/chat, when the end gate opened and dumped the tail end of his load! He couldn't avoid it and it took his front bumper, hood and windshield all the way out, with a lot of rocks hitting him. He wasn't injured, but it also took out all the radiators up front of his '08 GMC duramax welding truck. The trucker didn't even stop to help. 6 or 7 trucks passed him by before one stopped to help him gather up all his parts. Probably no structural damage, but a lot of parts to replace.

 

[Hummin Cummins]

Glad he is ok. You brought up a good point that I just realized today. I went to the shop to get a closer look today. I am very impressed with the structural engineering that went into this truck I will post a pic shortly. The rails that surround the engine compartment are impressive. My 2nd gen if you took the fender off, there was the engine. This trucks engine compartment is surrounded by some serious steel. It saved everything under the hood.



Good news today also. The engine block is not hurt, just from the bellhousing back. I'm 90% sure that they will repair it.

 

[Gonzo 1066]

How is the crankshaft installed in the block if the block is not split at the crankshaft?



I've seen hundreds, perhaps a thousand gas engines with the bare block upside down and the crank exposed. I don't know if I've ever seen a Cummins block exposed. I thought I had seen it at the MREP in Columbus, IN. Maybe I've assumed I had but have not.

The design of the Cummins 6. 7 is common with almost all industrial I-6 engines. Called a "deep skirted block" The main bearing caps mount way up inside of the block this makes a VERY stiff block and crank bed. With the main thrust of compression and power being straight down the forces applied are contained quite effectively. Imagine the V-8 diesels and the angular force that the pistons and rods apply to the crank. This is why nearly all industrial engines are "I" designed, If not they all have a deep skirted block. In this accident the protection the crank has should help save the engine. IMHO

 

[HBarlow]

Gonzo,

Thanks. Good additional explanation.

 

[Austin Diesel]

Collision repair issues in Texas:





08 2500 Collision/Frame Damage Repairs/Diminished Value:



5 star high volume big city Chrysler dealership(aggravation) was my only available repair facilty out of town on vacation during accident,



I am just finishing this type of repair claim $6000. 00 plus (Frame Damage)front suspension, steering,fenders,grill,it has been arduous dealing with my (ST. FM. ) insurance comp. it took me 5 weeks of arguing to get a procedure policy change for a underinsured uninsured claim from a collision claim under (third Party)Texas insurance law.

Foot dragging and a lack of active proactive communication from other side side ins. co. has been continual and is common practice because it is completely legal and that is how they process the claim under collision even though i was not behind the wheel or at fault.



I got the state board of insurance involved and complained ,they actually returned some of my correspondence even though it was innaccurate from the other sides insurance co. lack of cooperation,under claims dept, until subjugation procedures began.



Drunk Driver hit my truck in the driveway at night and fled the scene,and was not witnessed to be behind the wheel,charged with hitting a stationary object later.



It was better for hit and run claiment not to be caught and process the claim at a lower deductable and qualify for a diminished value appraisal claim check as car fax will show truck was damaged and had frame repairs and will be worth less at trade in and never be the same again under texas law.



As for parts the collision center will follow the approved book repair schedules as per what insurance co. will pay for parts prices which may include salvage parts only unless i paid 900. 00 more would they install all new oem suspension parts my repairs have totaled over 6000. 00 so far and i am not done with this yet.

I will have a third party dimiinshed value appraisal contractor evaluate my vehicle repair damages to prevent a lowball diminished value appraisel number by the insurance co to insure proper compenensation numbers soon i have 2 years to complete this after the fact under texas insurance laws.



Also a collision claim personel injury lawyer will not even talk to you unless personal injury was incurred, not enough money to mess with in the State of Texas.



Good luck in this repair experience



Austin Diesel

 

[RonD]

This isn't my truck, it's yours, but from the limited photos and information, I would not want that truck after a repair, it will never be right, I would hope they total it, the only winner will be the Body Shop, best of luck, and I am glad everyone is fine.

 

[HBarlow]

I tend to agree with RonD although having been an insurance adjuster, I understand how the system works. The adjuster will add up the cost of repairs and, if it is very high, will obtain a market value on the truck, and compare the two.

Whatever that company has set as the total loss declaration percentage of value of the truck will determine his decision.

Since it is a relatively new truck the value is high so a very high repair estimate will be repaired to declare it a total. The owner's desires will not be considered unless the cut off amount is very close.

Complete repair probably won't reach the loss declaration point.

If the frame is damaged more than just a minor tweak I would make a lot of noise demanding a new frame but that would put the owner in the position of having a nearly new truck disassembled and reassembled by a body shop with less skills than the manufacturer's assembly line personnel.

 

[ChrisOlson]

I may not be as smart as Mr Barlow with his above Elouquent explanation AND i was not A insurance adjustor Nor did i play one on TV And I did not sleep in a holiday inn express BUT I quote the OP here "the Girl ran a red light" DID she have insurance?? should not be to much of a problem for your insurance company to have her insurance company make it right not your fault!!! dont be a nice guy!! demand threaten or do whatever u have to to get a total replacement. your truck will never be the same.

something similar happened to me years ago and i tried to be nice. Never again



My 2 cents

Chris

 

[Hummin Cummins]

Sorry for not replying to my own thread, been a little hectic here lately. LOL. Recieved the estimate yesterday it came it an 17,900 and change including a new frame. Thought wow thats good, they're gonna fix it until I realized that the bellhousing, transmission, transfer case and driveshafts were left off the estimate. Called the shop and the owner said that he quit there because he is gonna call it a total loss. I wasnt supposed to recieve the estimate, the girl in the office screwed up thinking it was finished. Adjuster called to let me know he was gonna look at it Monday for the official decision but he informed me that he is sure to agree with the shop. So we wait till monday, and in the mean time spend my weekend truck shopping.



Heres that pic that i mentioned earlier, theres some serious protection around the engine compartment. Does anyone know if the third gens had this or is that a new design for the 4th gen?

 

[HBarlow]

I may not be as smart as Mr Barlow with his above Elouquent explanation AND i was not A insurance adjustor Nor did i play one on TV And I did not sleep in a holiday inn express BUT I quote the OP here "the Girl ran a red light" DID she have insurance?? should not be to much of a problem for your insurance company to have her insurance company make it right not your fault!!! dont be a nice guy!! demand threaten or do whatever u have to to get a total replacement. your truck will never be the same.
something similar happened to me years ago and i tried to be nice. Never again

My 2 cents
Chris

Chris,

Your two cents worth wasn't really worth the price you put on it. You can't demand squat from your own insurance company and certainly not the other driver's insurance company. The real world doesn't work that way.

 

[RVTRKN]

Look on the bright side, hello 800 foot pounds of torque. Glad you made it through safe.

 

[ChrisOlson]

Chris,



Your two cents worth wasn't really worth the price you put on it. You can't demand squat from your own insurance company and certainly not the other driver's insurance company. The real world doesn't work that way.

Mr Barlow thank you for your kind, insightful, and experienced and reply.

However when the same situation happend to me a few years ago, It was not until I retained the Services of a Lawyer and with the threat of a Law suit I was able to resolve this in a fair way. The accident was not my fault.



the accident I had, put me in the hospital for a week again NOT MY FAULT.

I did not SUE I only recieved what was rightfully due to me for a accident that was NOT MY FAULT. The World does not always see things as Harvey Barlow does.







TO the OP I am Glad to hear they are going to total your truck Please Keep us Posted as to your SAGA and keep us updated your new truck search and purchase.



Chris

 

[HBarlow]

Chris,

Every single accident and insurance claim are different and we have no idea what your individual circumstance was.

The fact here is you are giving bad advice to anyone who reads this thread and possibly creating false expectations that will cause someone grief!

An insurance company is not going to replace a truck or car because it is damaged and the owner "demands" a replacement. It simply does not happen.

An insurance company is required by contract to do only what their policy, the insurance regulators of the state, standard insurance industry practices, and the law require. Demands by petulant claimants are not one of their concerns.

In this situation the repair shop prepared a repair estimate that will apparently exceed the treshhold for declaring it a total. If the repair estimate is less, that is all an insurance company is required to pay and all they will pay.

No claimant has a legitimate claim for a replacement truck or car just because he wants it or "demands" it.

 

[ChrisOlson]

Chris,



Every single accident and insurance claim are different and we have no idea what your individual circumstance was.



The fact here is you are giving bad advice to anyone who reads this thread and possibly creating false expectations that will cause someone grief!



An insurance company is not going to replace a truck or car because it is damaged and the owner "demands" a replacement. It simply does not happen.



An insurance company is required by contract to do only what their policy, the insurance regulators of the state, standard insurance industry practices, and the law require. Demands by petulant claimants are not one of their concerns.



In this situation the repair shop prepared a repair estimate that will apparently exceed the treshhold for declaring it a total. If the repair estimate is less, that is all an insurance company is required to pay and all they will pay.



No claimant has a legitimate claim for a replacement truck or car just because he wants it or "demands" it.

Have a nice Day Harvey :-laf

 

[Hummin Cummins]

Well, the saga has ended. They totalled the truck but valued it nearly 4k less than payoff. I nearly flipped when I got the phone call. I was not "upside down" with the financing when I bought the truck but apparently you arent supposed to drive them. They considered the truck high mileage with 39000 miles on it. After a rather lively discussion with the appriaser, he called 3 other dealerships for a value. and returned with a value 700 dollars less than payoff. He informed me of the dealership that gave him the high valuation and I directly proceeded there to buy my new 2011. Walked out the door with a deal 200 less than invoice and only 800 more than I paid for my 2010.



What an ordeal. I hope I never have this experience this again and will definately be purchasing gap insurance for this truck.



Picking up the new ride on Friday, will post pics.



Thanks for all the input and advice.



Chris

 

[Grey Wolf]

Chris that was quite the ordeal, I hope everything goes well for you from now on. Is the new truck equipped the same as the old one?