5thGenRams Forums

Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

Accident

Medgas24

Active Member
Joined
Feb 20, 2020
Messages
90
Reaction score
27
This is probably a long shot but has anyone ever had their spouse re end the front of your truck? If so how did y’all go about it getting fixed insurance wise or just out of pocket
 

Jeffjad

Ram Guru
Joined
Feb 15, 2020
Messages
1,528
Reaction score
1,274
Location
Southwest PA
This is probably a long shot but has anyone ever had their spouse re end the front of your truck? If so how did y’all go about it getting fixed insurance wise or just out of pocket
:oops: What did you do to **** her off that she backed into your truck lol. Never encountered this but would prob depend on your collision deductible vs. how much damage was done.
 

Nickv1214

Well-Known Member
Joined
Nov 14, 2019
Messages
239
Reaction score
163
Been here before , it was easier to just come out of pocket cash rather then go threw insurance , depending on how much damage was done
 

Medgas24

Active Member
Joined
Feb 20, 2020
Messages
90
Reaction score
27
She claims it was in drive lol and I’ll post a picture of it tomorrow
 

MannymanX

5thGenRams Supporter
Joined
Aug 3, 2019
Messages
2,137
Reaction score
1,133
Location
AzZona
What happened? Just the front bumper?
I bought a new one from the dealer and replaced it myself... it wasn't easy but with some help from a friend, you can do it.
You're going to have to take all the hardware from the old bumper (whatever is salvageable) and move to the new one, the new bumper is just a shell, nothing more.

Sent from my SM-G973U using Tapatalk
 

Jeffjad

Ram Guru
Joined
Feb 15, 2020
Messages
1,528
Reaction score
1,274
Location
Southwest PA
Crap happens....im sure it was a honest mistake and with all the crap going on in the world right now, it could be worse (y).
 

Boston

Well-Known Member
Joined
Aug 9, 2019
Messages
427
Reaction score
168
What happened? Just the front bumper?
I bought a new one from the dealer and replaced it myself... it wasn't easy but with some help from a friend, you can do it.
You're going to have to take all the hardware from the old bumper (whatever is salvageable) and move to the new one, the new bumper is just a shell, nothing more.

Sent from my SM-G973U using Tapatalk

Probably too soon to look for used parts www.car-part.com
 

PorBoy

Spends too much time on here
Joined
Jun 15, 2018
Messages
4,554
Reaction score
2,697
Location
Millville NJ
Mine side swiped my truck and then when backing up away from it crunched the bed lol. Just paid out of pocket to keep the peace in my household.
 

mikeru82

5thGenRams Supporter
Site Supporter
Joined
Nov 18, 2019
Messages
5,687
Reaction score
5,372
Location
The Palouse
Been there. Wife was pissed at me and used the front of her vehicle to take it out on the front of mine. Luckily it only messed up some paint but didn't actually break anything. I hate to think what might have happened if we would have been on pavement, but since we were parked on gravel she couldn't get any traction and the damage was minimal. I just paid for the repair out of pocket because I was too embarased to talk to my insurance agent. :giggle:
 

Medgas24

Active Member
Joined
Feb 20, 2020
Messages
90
Reaction score
27
Here’s the damage
 

Attachments

  • BAA89336-16C7-4F86-8227-E7C7C4E6C8A3.jpeg
    BAA89336-16C7-4F86-8227-E7C7C4E6C8A3.jpeg
    238.4 KB · Views: 159
  • 89AFB736-FAD6-4A74-BC1E-5052B2CC10BB.jpeg
    89AFB736-FAD6-4A74-BC1E-5052B2CC10BB.jpeg
    194.9 KB · Views: 163
  • 345B0D2F-2C79-4BEB-9956-AECA8CA891F8.jpeg
    345B0D2F-2C79-4BEB-9956-AECA8CA891F8.jpeg
    146.1 KB · Views: 162

Nukegm426

Well-Known Member
Joined
Mar 30, 2020
Messages
269
Reaction score
167
Yea your better off paying out of pocket if you can swing it. While you can claim it on your insurance without any issue, it’s such a small amount of damage that your going to raise your rates for nothing basically. And your deductible will probably eat half the cost of just buying the parts.
 

sparkygreen

Active Member
Joined
Jan 29, 2018
Messages
147
Reaction score
93
Agreed, fix it yourself if you can, or get prices from local body shop. The damage isn't great, but most likely not so bad that you should get insurance involved.

You would like to think that is what insurance is for, but most agree you should reserve insurance for more significant damage. Ive heard they look at quantity of claims almost as much as cost of claims to determine your rates. A $1500 repair can carry the same weight as a $25k repair, to them a claim is a claim.

Good luck!
 

Timeless

Ram Guru
Joined
Aug 9, 2019
Messages
692
Reaction score
473
Location
SC
I would think a good shop could get that in good shape for what your deductible would be anyways...as long as nothing had to be replaced.
 

mikeru82

5thGenRams Supporter
Site Supporter
Joined
Nov 18, 2019
Messages
5,687
Reaction score
5,372
Location
The Palouse
I would think a good shop could get that in good shape for what your deductible would be anyways...as long as nothing had to be replaced.
First off, I have no real experience working in a body shop. But, I've done a lot of backyard body work on my own vehicles, as well as gotten several estimates on this type of repair. It all depends on how good of a job the OP wants on the repair. One thing in his favor, as far as parts replacement goes, is the fact that the bumper is painted. Much easier to repair painted metal than chromed metal. Bang out the dents, fill any imperfections, and repaint. The other "hidden" potential issue is the bumper mounts. It's likely that they got tweaked when this happened. So if a new or straigntened bumper were to be fitted, it's likely that it wouldn't fit without fixing the mounts as well. And even then it might not fit like it did when new. Definitely do-able without replacing parts, but I suspect most body shops would provide a quote with new parts included.
 

Medgas24

Active Member
Joined
Feb 20, 2020
Messages
90
Reaction score
27
Update I took it to the dealership for ****s and giggles for a quote ended up being $2,491 to replace the bumper and the grill since she broke some clips that hold the black lines in place the grill itself is $747 in case anyone’s wondering
 

Br549

Active Member
Joined
Mar 7, 2020
Messages
55
Reaction score
47
Location
Western Ky
Last 4 vehicles my wife had I’ve fixed the rear of every one . I’m not going to mention the garage door or my mothers car. I try to never use the insurance unless it’s going to be some major cash.
 

Medgas24

Active Member
Joined
Feb 20, 2020
Messages
90
Reaction score
27
Needless to say I ordered a Westin pro mod bumper instead
 

Attachments

  • 9B2CECB6-2026-411E-8302-1B461EC551AA.jpeg
    9B2CECB6-2026-411E-8302-1B461EC551AA.jpeg
    121.7 KB · Views: 55

Jeffjad

Ram Guru
Joined
Feb 15, 2020
Messages
1,528
Reaction score
1,274
Location
Southwest PA
Needless to say I ordered a Westin pro mod bumper instead
That's a smart move, perfect time to upgrade the bumper and the wife can't say anything about it because she wrecked it :LOL:. Well done sir!
 
Last edited:

Users who are viewing this thread

Top