Truck declared a total loss, what can I expect?

[travisr1988]

To be honest I have looked for stepside trucks in the $1500 range for years before I got mine, and at the time I got mine I had just blown the engine in my 1979 c20 and had tore it apart and began rebuilding it when I saw the ad for my current truck and I thought to myself if I didn't jump on it right then and there I would never find another near what the kid asked for it, so I looked at it and thought even though the c20 had no cancer and the stepside did it was still worth the $700 I paid for it, and looking back I wish I had kept the c20 and put the engine back in it and just slowly rebuilt the stepside from the ground up while driving the c20. But as rough as the stepside was it was still a steal then seeing as a stepside bed alone in similar condition minus tailgate and floor sold for $500 near me a few weeks later.

[76LongBox]

Once you get it resolved to your satisfaction, I would highly recommend getting Hagerty Insurance with a declared value. I have a 76 GMC Sierra Classic long bed with a declared value of $12,000, and my premium is $228/year...yes, per year for a 12k declared value policy.

Fortunately, I've never had a claim with them, but it seems like the way to go.

Hagerty or other classic insurance co's work if it's a trailer queen

They have so many restrictions that it's useless for any other type of vehicle

If the vehicle is not on pavement it's not covered
Teen drivers not covered

Only allowed to drive it to and from shows etc


Sent from my iPhone using Tapatalk

There is no mileage restriction or use restriction with Hagerty. I specifically asked about this before I took out my policy with them. They said "We want you to use your truck" - even going so far as to say I could pull a trailer with it occasionally, haul stuff in it, etc. It may be true on the teen thing, but I don't have any kids, so that's not an issue for me.

I do, however, have to have a different "daily use" vehicle, which I do, so again, it's not a problem for me.

[travisr1988]

Update: so they finally cut a check for $2700. Each time I called (messages/emails never got returned) it was a different person, a couple were nice and had sense, the others were ridiculously illogical. But in the end they cut the check for $2700.

[ehjorten]

Good to hear!

It is unfortunate that you have to get stressed-out and fight them for money to fix your vehicle when someone else caused the damage, but glad you got your money!

[philo_beddoe]

Agreed. I paid 4k for mine and i dont think there was a part on it that hasnt been touched by now. And i'm still adding new parts. Guess i'm stuck with it. Havnt driven it in like two weeks,,starting to get the shakes man!! Lol

Make that 2 months, now having withdrawal symptoms.