Insurance and diminished value question after an accident.

[th3w01f]

Thanks for the input. Definitely rear and AWD, I’m going to make sure a Toyota shop evaluates.

I haven’t had to deal with anything like this in years. The adjustor is coming tomorrow and my guess is that he’s going to ask us to sign off on his assessment. They keep making a statement that is something like “additional damage will be evaluated based on the original assessment” or something along those lines. My gut tells me not to sign anything without a full evaluation by a qualified mechanic.

Thoughts? Anyone done something like this recently?

[Irving]

I'm not sure that you will be required to sign anything. He'll probably cut you a check, but you don't need to cash it. Sometimes signing a check is a release, but that's usually for medical stuff. Supplements after the initial estimate are pretty standard and should be expected, especially with auto.

[th3w01f]

Should be interesting if that’s the case.

[Irving]

The adjuster is just going to work for what they see. Since he's not actually taking anything apart, you can expect that the initial estimate won't cover all the damage if other things are damaged. Once you get it to a shop, they write a more in depth estimate and send that to the insurance company as a supplement. The insurance company will then go through the supplement to make sure everything is in line. Hopefully, with a brand new vehicle you won't have to mess around getting used parts. That doesn't mean you shouldn't scrutinize everything. Best of luck.

[hurley842002]

For the record, AWD is not the same as 4WD, I didn't think the 4runner came in AWD (although on the newest ones I could be wrong), and the FJ definitely wasn't made with AWD.


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[MrAK]

For the record, AWD is not the same as 4WD, I didn't think the 4runner came in AWD (although on the newest ones I could be wrong), and the FJ definitely wasn't made with AWD.


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I definitely needed more coffee earlier, or to read the post a little slower, but my FJ definitely came with full time 4wd, my understanding however, is that the only difference between full time awd, and full time 4x4, is that I have the ability to engage 4low with the full time 4x4.
Potato / Pohtahtoh?

[Irving]

Well, yes and no. It's a bit more complicated than that, but damaged components shouldn't be any different.

[th3w01f]

You're correct, it's actually full time 4wd, not AWD. I also verified that it's a solid axle so maybe that's a good thing here?

[brutal]

You're correct, it's actually full time 4wd, not AWD. I also verified that it's a solid axle so maybe that's a good thing here?

Still could be damage to axle and suspension components - coil sprung will have panhard bars, etc. - but nothing like a trashed front drive IFS control arm transaxle type setup.

[XXFattyHunterXX]

You're correct, it's actually full time 4wd, not AWD. I also verified that it's a solid axle so maybe that's a good thing here?

I sent you a long PM. Do you have a picture of damages?
To add to that PM, USAA used all OEM parts since it was a year old. AllState used Aftermarket or recycled parts for the second accident a year after.