Insurance is declaring my 2018 Ram 1500 a total loss. I received an estimate for the repairs, and they’re quoting $18,200 after just an 18-minute assessment. Am I being paranoid, or do you think they’re trying to avoid covering the costs?
Edit: I’m feeling really down about it being totaled. I was genuinely excited to have that truck.
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It’s definitely frustrating to hear that your truck is being totaled, especially since you were excited about it. The quick estimate can feel a bit suspicious, but insurance companies often have set guidelines and procedures for determining the value of a vehicle and the cost of repairs. They might be trying to assess whether repairs are cost-effective compared to the vehicle’s actual cash value.
Your feelings are valid—it’s tough to see something you care about get totaled. If you’re unsure about the insurance assessment, you might consider getting a second opinion from an independent mechanic or body shop. They can give you a more thorough estimate, which can help you negotiate with your insurance company if needed. Keep your chin up; you’ll find another truck that you’ll love just as much!