EUREKA Posted June 16 Share Posted June 16 Well its a sad day. A bit of a neck strain but I'm ok. My main concern now is what value will be placed on my truck. Anyone have knowledge/ experience getting insurance adjusters to recognize the value of an older vehicle is great shape? I use my MJ to make a living as a contractor so this really hurts. Link to comment Share on other sites More sharing options...
Warren99 Posted June 16 Share Posted June 16 Man that sucks, glad you're ok at least Link to comment Share on other sites More sharing options...
EUREKA Posted June 16 Author Share Posted June 16 Yep. I guess I have no choice but to take a loan out on a truck asap. I have to make a living. Link to comment Share on other sites More sharing options...
fiatslug87 Posted June 16 Share Posted June 16 WOW! Another one, glad you’re (mostly) OK. This was just asked: Link to comment Share on other sites More sharing options...
dasbulliwagen Posted June 17 Share Posted June 17 The adjuster for the County's insurance company decided that they are going to cover me, and sent out an independent appraiser. I asked him if he had much experience with classics, and he said he hadn't, but that he'd be talking with someone else who did. I too saw the Hagerty page with the values and comps, which of all the places I looked had the highest values of anywhere I looked. The worst was Edmunds.com which after I put in my info, it gave me a value of about $2200. I know my truck isn't perfect, but $2200 is just insulting. I hope you get a good resolution for your truck. It will be a slow process. I'm just over a month since my accident and I still don't have a number for what they're going to cover for me. And there's still a possibility that they'll want to total it. Which would mean screwing with the title, buying it back, and still fixing it, but then having a salvage title. Not that I ever plan on selling mine, but still. Good luck with yours, hang in there. Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 I'm in a tough position because I either have to buy a truck right away or be out of work. Its summer time, I m a contractor and have a 10 week old baby. I can't just not work for a month+. Link to comment Share on other sites More sharing options...
Htchevyii Posted June 17 Share Posted June 17 Oh man, that's a bummer! People in Eureka drive so badly. Any idea how bad it is besides the sheet metal? T&m fab sells a heavy duty piece that goes between the frame rails. I hope you can save it. Can you buy a beater, then fix the MJ and sell the beater? If someone hits mine, we are going to have a big problem. 😡 https://www.t-mfab.com/store-3/jeep-cherokee-xj-behind-the-bumper-stiffiners/ I know there are other companies that provide similar support, but this was the first that came up. https://www.theautoappraiser.com/disputed-value By the way, I'd go to the hospital and get checked out. Their insurance should pay for it and should there be a problem later, you'll be in better shape. Link to comment Share on other sites More sharing options...
Pete M Posted June 17 Share Posted June 17 man... that blows. absolutely go get yourself checked out. neck issues can plague you for the rest of your life. honestly, I'd be inclined to just slap a radiator and a junkyard front fascia on that truck and keep driving while the insurance is worked out. Link to comment Share on other sites More sharing options...
89 MJ Posted June 17 Share Posted June 17 Ugh, that is terrible. I’m hoping to see you rebuild it in the future. Link to comment Share on other sites More sharing options...
pizzaman09 Posted June 17 Share Posted June 17 Sad to hear, I hope you recover well and quickly. I had an issue with my first Comanche. The adjuster showed up, looked at his system and told me that is said it was worth $200. He could tell it was clearly more valuable than that. I had said that I purchased it the week before, he asked me what I paid for it and he decided to set the total amount at that! Awesome service. I'd personally search BaT and a few other places for comparable drive train MJs. A 4.0L with 4x4 and a manual transmission is worth a lot more than a 2.5L 2wd auto. Link to comment Share on other sites More sharing options...
watchamakalit Posted June 17 Share Posted June 17 Salvage title > no title. At least the salvage title will keep it on the road and out of the cruaher\parts bin. Link to comment Share on other sites More sharing options...
75sv1 Posted June 17 Share Posted June 17 Chilling to me. I was almost T-Boned this weekend in my Avalanche. Guy didn't see the Stop sign on a country road. He waved at me, thinking I was in the wrong. Just my take, but I don't think it got into your frame. So, you might be able to get by with a new radiator and straighten the bumper and other parts out. Yes, I've done that on two XJs. Yours looks rust free. So, just the bare body would be $2K. Also, try and keep the medical part of your situation open for a year. Issues might crop up. Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 13 hours ago, Htchevyii said: Oh man, that's a bummer! People in Eureka drive so badly. Any idea how bad it is besides the sheet metal? T&m fab sells a heavy duty piece that goes between the frame rails. I hope you can save it. Can you buy a beater, then fix the MJ and sell the beater? If someone hits mine, we are going to have a big problem. 😡 https://www.t-mfab.com/store-3/jeep-cherokee-xj-behind-the-bumper-stiffiners/ I know there are other companies that provide similar support, but this was the first that came up. https://www.theautoappraiser.com/disputed-value By the way, I'd go to the hospital and get checked out. Their insurance should pay for it and should there be a problem later, you'll be in better shape. It looks like everything from the radiator forward is toast, as well as the hood and front left fender. The lower control arm is badly bent, I see some gear oil leaked out of the axle tube on the drivers side. I believe any frame damage is minor but its hard to tell. Quote Can you buy a beater, then fix the MJ and sell the beater? Maybe. I can do without a lumber rack but without one I have to tow my trailer in order to transport materials. Thing is I can possibly be reimbursed for a rental truck but not for buying a vehicle to use temporarily. I am requesting a rental truck from the insurance of the guy ho hit me today, assuming I can find the time, I have 10+ yards of concrete to pour today. The appraiser is supposed to call me today. I did go to the ER. I have a cervical muscle strain. Basically feels like a really cramped trap muscle. Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 13 hours ago, Pete M said: man... that blows. absolutely go get yourself checked out. neck issues can plague you for the rest of your life. honestly, I'd be inclined to just slap a radiator and a junkyard front fascia on that truck and keep driving while the insurance is worked out. Unfortunately we don't have a real junkyard for hundreds of miles. But I might have to do something like this Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 Thanks for all the responses guys! Link to comment Share on other sites More sharing options...
Htchevyii Posted June 17 Share Posted June 17 15 minutes ago, EUREKA said: Unfortunately we don't have a real junkyard for hundreds of miles. But I might have to do something like this The junk yard situation is a joke. There's never a junk XJ for sale when you need one. My friend in Medford just sold a WD Comanche that had a bad engine for $300. I was actually in town with the Ram, but also with the wife... I really don't need anymore rigs, but it was temping for the price just incase something like this happens. Link to comment Share on other sites More sharing options...
Pete M Posted June 17 Share Posted June 17 get aftermarket then. fit and finish matter less at this point. we need legality and functionality. https://www.amazon.com/JMTAAT-Headlight-Compatible-1991-1996-Cherokee/dp/B0DQTXG4CX?source=ps-sl-shoppingads-lpcontext&ref_=fplfs&psc=1&smid=A5M3CDF82M5JY&gPromoCode=cpn_us_en_pct_5_2025Q2&gQT=2 Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 1 minute ago, Pete M said: get aftermarket then. fit and finish matter less at this point. we need legality and functionality. https://www.amazon.com/JMTAAT-Headlight-Compatible-1991-1996-Cherokee/dp/B0DQTXG4CX?source=ps-sl-shoppingads-lpcontext&ref_=fplfs&psc=1&smid=A5M3CDF82M5JY&gPromoCode=cpn_us_en_pct_5_2025Q2&gQT=2 Yep. Ill need a fender, hood, radiator, control arm and who knows what else. I have already been working 6-7 days a week and my schedule is packed so its hard to see when I would be able to do any of this work. Link to comment Share on other sites More sharing options...
Pete M Posted June 17 Share Posted June 17 you need a radiator, fan, legal lights, and a 3 pound sledge. maybe a ratchet strap. whatever is the fastest/cheapest way to get you driving is the path you need. worry about perfection later. Link to comment Share on other sites More sharing options...
75sv1 Posted June 17 Share Posted June 17 Car-Part.com--Used Auto Parts Market and Row52 might be of help. Some do ship. If you were closer, the parts bin would be open. Link to comment Share on other sites More sharing options...
rokinn Posted June 17 Share Posted June 17 From experience and by profession I am pretty familiar with auto accidents and their consequences. California is an "at fault" state. In this instance the other driver should be faulted @ 100%. Meaning their insurance is liable for expenses like lost wages, medical, property damage etc. Keep a record of everything including symptoms, physical, emotional, mood changes, etc. Ask you wife to help with this also. Neck injuries start out with stiffness and pain but over the course of the next few months (even years) there can be a deterioration in the soft tissue that includes atrophy of muscles and discs which over time can evolve into disc compression, deterioration and arthritis. Establish a medical record with a Dr. I don't recommend chiropractic for this type of injury. Gentle massage therapy and heat is better. Get on this sooner than later. Keep receipts. An MD might prescribe a muscle relaxer. Can be helpful. Concussion and brain injury are not out of the question. I was T-boned some years ago and ended up with a brain injury that took me 5 years to recover from. At some point you may need the services of a lawyer. Good luck. Feel free to ask any questions you may have. Link to comment Share on other sites More sharing options...
JZLAJeep Posted June 17 Share Posted June 17 For what it's worth, my 2-door XJ was rear ended a few months ago. Worried about my XJ being totaled so I told the guy that ran into me that I could go through his insurance or we could settle for cash. At first he said insurance, but he called me later and asked me to get a cash price. I've got a contact at an autobody shop that is willing to operate in cash after hours and he was willing to straighten the frame, paint the rear bumper, and some misc. odds and ends for $750 cash and my son picked up a new to us bumper at the junk yard. I asked the guy that hit me for $850 to get the vehicle fixed, buy the bumper, and pay for my urgent care bill. He agreed and we took care of it with a cash transaction. Never involved insurance at all. Was a LOT cheaper for everyone involved. The XJ is back to as good as it was prior to the crash (it had already been rear ended before For some reason that XJ is a crash magnet). Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 5 hours ago, Pete M said: you need a radiator, fan, legal lights, and a 3 pound sledge. maybe a ratchet strap. whatever is the fastest/cheapest way to get you driving is the path you need. worry about perfection later. True. I will defiantly some new control arms and who knows what else suspension wise. Link to comment Share on other sites More sharing options...
EUREKA Posted June 17 Author Share Posted June 17 4 hours ago, rokinn said: From experience and by profession I am pretty familiar with auto accidents and their consequences. California is an "at fault" state. In this instance the other driver should be faulted @ 100%. Meaning their insurance is liable for expenses like lost wages, medical, property damage etc. Keep a record of everything including symptoms, physical, emotional, mood changes, etc. Ask you wife to help with this also. Neck injuries start out with stiffness and pain but over the course of the next few months (even years) there can be a deterioration in the soft tissue that includes atrophy of muscles and discs which over time can evolve into disc compression, deterioration and arthritis. Establish a medical record with a Dr. I don't recommend chiropractic for this type of injury. Gentle massage therapy and heat is better. Get on this sooner than later. Keep receipts. An MD might prescribe a muscle relaxer. Can be helpful. Concussion and brain injury are not out of the question. I was T-boned some years ago and ended up with a brain injury that took me 5 years to recover from. At some point you may need the services of a lawyer. Good luck. Feel free to ask any questions you may have. Thanks for the information! Its been about 20 years since i was in an auto collision, I'm pretty ignorant as to how to handle things. Link to comment Share on other sites More sharing options...
Htchevyii Posted June 18 Share Posted June 18 Hey @EUREKA, I sent you a PM Link to comment Share on other sites More sharing options...
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