Home and Auto Car accident...question to the planet - Page 2

**mlyonsd** · 06-30-2009, 11:21 AM

My 79 year old dad's truck was T-Boned by a 19 year old kid that ran a red light while talking on his cell phone. I can't believe the kid would even admit to that but props to him for being honest. This happened in Iowa where he lives btw.

Anyway, my dad was ok but the kid's insurance company deemed the truck a total loss.

It was an immaculate 2000 F-150 extended cab with only 68,000 miles on it.

They want to total the truck and pay him $11,100 for it. Granted that might be what a blue book will tell you it's value is but my question is what are my dad's rights? Does he have to accept the settlement, can he make the insurance company replace the truck, or what?

The truck was worth more than $11k to him. What I've been looking at for a replacement with that few miles will end up costing him $$$ out of his pocket.

Just curious if there are other options than taking a check for an amount that doesn't equal what the truck is worth to him.

06-30-2009, 11:21 AM	Topic Starter
mlyonsd Supporter Join Date: Aug 2000 Location: Spink, SD Casino cash: $-2196238	Car accident...question to the planet My 79 year old dad's truck was T-Boned by a 19 year old kid that ran a red light while talking on his cell phone. I can't believe the kid would even admit to that but props to him for being honest. This happened in Iowa where he lives btw. Anyway, my dad was ok but the kid's insurance company deemed the truck a total loss. It was an immaculate 2000 F-150 extended cab with only 68,000 miles on it. They want to total the truck and pay him $11,100 for it. Granted that might be what a blue book will tell you it's value is but my question is what are my dad's rights? Does he have to accept the settlement, can he make the insurance company replace the truck, or what? The truck was worth more than $11k to him. What I've been looking at for a replacement with that few miles will end up costing him $$$ out of his pocket. Just curious if there are other options than taking a check for an amount that doesn't equal what the truck is worth to him.
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