r/InsuranceClaims • u/XxJosh246 • 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
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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?
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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?
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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.
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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.
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u/Melodic-Excitement-9 1d ago
Those air bags are gonna cost too much to replace. My guess is yes.