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  #21  
Old 06-25-2015, 10:41 PM
k-dog k-dog is offline
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Default Re: Thinking about a new pickup

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  #22  
Old 06-25-2015, 10:43 PM
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Default Re: Thinking about a new pickup

I know everyone wants to see the size of the deer and it really wasn't that big.
If I messed up on the uploading of the pics, moderators please correct them.
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Old 06-26-2015, 09:03 AM
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Default Re: Thinking about a new pickup

Damn!!

Glad to hear your son is going to be OK. That's some scary shit.
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Old 06-26-2015, 10:12 AM
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Default Re: Thinking about a new pickup

Wow. Damn. Like BC, glad both you and your son came through this okay. Unreal. Very lucky. I know it's hell to lose a good truck like that but you guys were really lucky to get out of that without serious injury. Whew.
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  #25  
Old 06-26-2015, 10:41 AM
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Default Re: Thinking about a new pickup

They are actually going to fix the truck. The damages so far are at around $15,000. They told me that having the sunroof actually helped because of the extra structure around it. As long as my boy is fine, that's all that matters to me. The truck can be replaced.

It's gonna take about 4 weeks to fix the truck and the part that stinks is I can't get a truck with a hitch as a rental unless I have a million dollar liability policy. Luckily I have a friend who has a truck who can pull my dump trailer.

The police officer that did the report said I was lucky the deer wasn't still alive inside the truck. I told him I had something if it was and he just grinned at me.
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  #26  
Old 06-26-2015, 10:48 AM
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Default Re: Thinking about a new pickup

Damn, damn and double damn. You guys were lucky. I'm glad that you're both going to be OK.

It's sad to see that happen to a good vehicle but you're right, as long as the people are good, the truck can be replaced ... or fixed.
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Old 06-26-2015, 11:04 AM
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Default Re: Thinking about a new pickup

Quote:
Originally Posted by k-dog View Post
It's gonna take about 4 weeks to fix the truck and the part that stinks is I can't get a truck with a hitch as a rental unless I have a million dollar liability policy. Luckily I have a friend who has a truck who can pull my dump trailer.
A million dollar policy is pretty cheap. Actually, you may already have it depending on the number of cars you have now.

Our auto insurance policy has "stacked liability". That means that the liability insurance on every vehicle we own can be applied to any incident in any vehicle.

We have 5 vehicles, each with $250K/$500K in liability.

That means for any accident, we have available to us 5x that amount or $1.25M/$2.5M

You could also ask your ins. agent what it would take to raise your liability to $1M for a month then lower it back when you get your truck back. I just checked my truck's policy. That $250K/$500K is $36 per year total premium. With that number in mind ($3/month), quadrupling the policy for 1 month would cost an extra $9.
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