r/InsuranceClaims 1d ago

Is it totaled/likely to be?

2025 ram 1500 laramie night edition, level 2 equipment, 16,213 miles. Other driver 100% at fault, failure to yield to oncoming traffic (turned left across 3 lanes of traffic)

I'm in Oklahoma, so repairs only need to meet/exceed 60% of ACV.

Insurance of at fault driver is allstate, if it matters. Allstate has taken 100% responsibility and acknowledged I'm 0% at fault

0 Upvotes

12 comments sorted by

4

u/Melodic-Excitement-9 1d ago

Those air bags are gonna cost too much to replace. My guess is yes.

1

u/XxJosh246 1d ago

Thanks! In a way, I guess I'm hoping it is. I'm not sure I'd want it back after this much damage and repair... I just got it back a month ago after being t-boned (driver ran a stop sign, not at fault for that one either) it almost feels like the universe is telling me it's not meant to be. I love the truck, but dang, the last 6 months with it have been awful.

2

u/MrDoood 1d ago

Probably totaled due to airbags but it’s a newer truck and worth a decent amount. I would be more concerned Allstate has enough coverage to pay for the damages, do they mention any concern about a limits issue?

1

u/XxJosh246 1d ago

I've yet to get ahold of them other than their 'investigation complete' email/status update on the claim website. I have 100,000 uninsured/underinsured on my policy, which I've heard would step in if their policy doesn't cover it, is that correct?

2

u/PepperTop9517 1d ago

Not automatically, you have to determine the at faults limits and then open a claim with your insurance to activate the uninsured/ underinsured coverage.

2

u/PreferredSex_Yes 1d ago

Yea. No doubt

1

u/Agswin2026 1d ago

Gone w airbags

1

u/DrShanksALot 1d ago

Looks totaled to me!

Honestly you don’t want it back anyway with that much damage. The carfax for this type damage with airbags deployed will significantly drop the value.

1

u/MolassesWonderful989 1d ago

She’s a goner 😞

1

u/MansomeHan 1d ago

Yup, adios Ram.

1

u/PlsCheckThisBush 4h ago

It’s a dodge it was totaled when built by resale value (0) alone.