My new van and cds got destroyed in a wreck

Klean dry

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Jun 17, 2015
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So on june 13 i was driving down i40 about 65mph and some guy lost control of his truck. Spun out into the front of my van. All people involved survied with no major injuries. But both vehicles were a total loss.. Has eny one had to deal with this.. Im concerned that because the van and cds are so expensive. Insurance may not pay the total bill..
 

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shane deubell

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Yes, our first butler was totaled in a wreck. But it had quite a few hours on it.

Depends on specific coverage you had.

Sucks man, sorry to hear that.
 

Scott W

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Yes, it depends upon what was covered. Your vehicle insurance does not usually cover equipment mounted inside unless you also had coverage for the equipment. Proper insurance coverage has been discussed here a number of times. If you have inland marine or other insurance on equipment that is permanently installed in the van you are OK.
 

Kipp

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I'm assuming it's the trucks fault, in that case you should be completely covered plus some.

If that's not the case you would have to have some pretty crappy insurance for it not to be covered as the CDS is considered part of the van since it is integrated.
 

Klean dry

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Yes, it depends upon what was covered. Your vehicle insurance does not usually cover equipment mounted inside unless you also had coverage for the equipment. Proper insurance coverage has been discussed here a number of times. If you have inland marine or other insurance on equipment that is permanently installed in the van you are OK.
I do have the proper insurance coverage on my end. Im just hoping i dont have to use my insurance and have my premiums raise
 
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Klean dry

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I'm assuming it's the trucks fault, in that case you should be completely covered plus some.

If that's not the case you would have to have some pretty crappy insurance for it not to be covered as the CDS is considered part of the van since it is integrated.
Ya its the other guys fault. He spun across three lanes before hitting me
 

Klean dry

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Was the other guy cited?

I believe my C & C insurance covers that on my commercial auto policy.
Not sure if was or not. Cops around here seem lazy and do very little.. So i have to wait for the report to be availiable. But my c.n.c. is at 100,000 k and i have additional balloon covergae on all my vehicles for 500k. I have all my equipment additionally insured through greater american insurance. And state farms my other carrier for the autos
 
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Shawn Abbey

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Been through this twice......

Check with your insurance agent to make sure the equipment that is bolted to the van is covered. With my insurance, we had to modify our insurance plan to cover that.

Second, plan on about a month or longer before replacement of the van and equipment. The insurance has to go through the paperwork, and other stuff to evaluate proper compensation.

Third, make a detailed list of EVERYTHING in the van. Take pictures. While the insurance companies are battling it out on who compensates who, start locating replacement equipment. You'll probably be looking for used, since they may only use the value of the equipment and van in its current condition (mileage, hours, etc). Make a list of all chemicals and assign a value to each. Unfortunately, you probably won't be compensated for lost time/wages. But, in the meantime, you'll have a lot of homework to do...

Lastly, do NOT get emotional with the adjuster. Be nice and have your ducks in a row. If you have your homework done, and a value for each and every item, and a value for installation IN WRITING, your process will go with less headaches. Be patient!

So sorry about this. Stressful, I know! Hang in there!
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SRD

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I would think if the other guy is ticketed being his fault the other guys insurance company should have to pay replacement value plus lost wages cause youd still be working if their insured hadnt crossed 3 lanes of traffic and knocked the shit out of your van. Sucks man i hope it all works out to your favor atleast you werent seriously injured good luck
 

bojangles

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So on june 13 i was driving down i40 about 65mph and some guy lost control of his truck. Spun out into the front of my van. All people involved survied with no major injuries. But both vehicles were a total loss.. Has eny one had to deal with this.. Im concerned that because the van and cds are so expensive. Insurance may not pay the total bill..
where are you located?

looks albequerque-ish?
 

Prosteam-sonomacounty

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Fuking sucks. I was wiped out in September. Took a while for the insurance to sort it out. Make sure you involve your own insurance for a subligation package and make sure you include each and every item that might have been damaged in the crash.
Make sure you get every injury tended to. Most wrecks like this are pretty straight forward and unless there's severe injuries, you can usually sort it out without an attorney.
 
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