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justin
..needs sleep
Australian
join:1999-05-28
New York, NY
kudos:15

4 recommendations

reply to billydunwood

Re: Accident / treating air bag burn?

well that's the price of a moment of inattention.


telco_mtl

join:2012-01-06
reply to fartness

i agree go with the payout and buyback, and hey why not take advantage of this to turn it into a mazda b series... never get a parking ticket again!


TheMG
Premium
join:2007-09-04
Canada
kudos:2
reply to fartness

Maybe you might even be better off just paying for the repair of both vehicles out of pocket.

Think how much is your deductible? How much would you end up paying in the long run if your rates go up? Is it really worth it?

Your truck can probably be repaired pretty cheap with second-hand parts, and it sounds like the damage to the other vehicle is pretty minor (although there may be hidden damage you're not aware of).

Anyways, just another option to think about.


telco_mtl

join:2012-01-06

said by TheMG:

Maybe you might even be better off just paying for the repair of both vehicles out of pocket.

Thats one bonus of the Quebec no fault structure, your own insurance pays your damage, I have had less than 100$ in damage to my own car and had my insurance guy say that if i am not claiming why am i calling him.

Trimox

join:2012-09-24
Anywhere
reply to billydunwood

said by billydunwood:

His rates will probably go up, and he is going to be paying a lot more than the grand he's gonna get in his pocket.

With a salvage title the insurance company would probably not give him collision coverage on it. But then I wouldn't care on a 3k vehicle.

Just take what is left over from the payout and repairs put it in the bank. Then every month take what would have been put on the collision insurance and put it in the bank. If you keep doing that you will have more than enough for a different vehicle (assuming you don't have another at fault wreck very soon).

Yes liability might go up but that is just part of having a accident.


fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

1 edit
reply to fartness

FWIW, insurance company "claims" my rates will not be affected because of this. It's my first at fault accident, ever. I didn't get hurt and neither did the other person.

I'm just rounding the numbers to the nearest $100. Adjuster said something about the truck being worth $4200 but because of some rust and high mileage, he will give me $3500 (it's totalled). After $500 deductable, I can buy it back salvage for $250. So I'd be getting $2800 and change back to get it fixed.

Called one repair shop and they said I will need an inertia sensor, control module, and the two airbags. Cost: $3000.... called another, and they stated similar quote.

I understand in the cases where if someone scratches my car and I have their insurance company cut me a check for $1500, I can make out in the deal, but I don't see how I'm going to make out in this instance? Unless this stuff can be purchased online? I only see driver side and passenger side airbags for about $100 each on ebay. I don't know where to buy the other stuff.

All the repair shops I spoke with stated it's illegal in NY to buy used airbag parts.... so is downloading torrents...



justin
..needs sleep
Australian
join:1999-05-28
New York, NY
kudos:15

so why is it worth more than the market value they are paying you, exactly?
you can buy another rusty high mileage example and be square. If you bolted on 1000 worth of accessories then buy the wreck and unbolt them and sell it back to another scrap yard for 200 bucks.



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

I've done probably 3000 in repairs to it. Runs better than it ever has.

I had another dealer quote me 1600 for all airbag parts. They will call me tomorrow about labor cost.

Can't I go to the auction with people I know who go, buy a Ranger for 1500 and take the airbags and bumper out of it then scrap it for 400?



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

1 edit

The adjuster said since it's New York State, any vehicle after 8 years old will just get a salvage title and it does not need a re-built title or something like that. Do I still need to re-register the vehicle at DMV? Do I have to get it re-inspected to make sure it meets applicable standards?

Do I need to go through with this over-regulated state BS?
»www.dmv.ny.gov/salvexam.htm

That essentially prevents me from using used airbags.


billydunwood

join:2008-04-23
united state
kudos:2
reply to fartness

Why don't you just find a junkyard and go there? Bring someone who can take the part out or they usually will take the part out for a fee.
--
No Victim=No Crime


telco_mtl

join:2012-01-06
reply to fartness

said by fartness:

The adjuster said since it's New York State, any vehicle after 8 years old will just get a salvage title and it does not need a re-built title or something like that. Do I still need to re-register the vehicle at DMV? Do I have to get it re-inspected to make sure it meets applicable standards?

Do I need to go through with this over-regulated state BS?
»www.dmv.ny.gov/salvexam.htm

That essentially prevents me from using used airbags.

Just curious, why dont you bypass the whole insurance company and go to a reputable U-Pull in a jurisdiction that allows the sale of used air bags. The yard i deal with wont sell them in quebec (not allowed) but in ontario they have air bags for 20$ rangers and B-series being pretty common, i doubt you will have a hard time finding one in the yard, especially with the very minor changes over time. »www.kennypiecesdautos.com/pricelist.php here is the pricelist for the U Pull i deal with, you can fix your truck up surely for less than a grand.


hitachi369
Embrace Your Rights
Premium
join:2001-10-03
Grand Rapids, MI
kudos:4
reply to fartness

Why not just cut the airbags out and screw down the the door. Buy a new light housing, total cost 100$.


raythompsontn

join:2001-01-11
Oliver Springs, TN
Reviews:
·Comcast
reply to Trimox

said by Trimox:

With a salvage title the insurance company would probably not give him collision coverage on it.

You cannot get collision coverage on a salvage title. The value of the vehicle, by definition of salvage, is basically nothing. The value of the vehicle has already been paid, written off. You can't write something off twice.

Now before I submit to absolutes let me say that you might get an insurance company to give you collision coverage as they all like taking your money. Especially if the insurance company will never pay on the policy. Even the smallest deductible will be more than the value of the vehicle. So if the vehicle were to be completely consumed in an accident or fire the insurance would still pay nothing.

Trimox

join:2012-09-24
Anywhere
reply to fartness

said by fartness:

Do I need to go through with this over-regulated state BS?
»www.dmv.ny.gov/salvexam.htm

Just from skimming over that I get

"A salvage vehicle that is recovered after a theft or rebuilt after the damage must be examined by the DMV before the DMV can issue a new title certificate or registration."

Tells me the registration will be pulled when the insurance company reports the salvage.

"Finish the work. Make sure that you complete all the repairs and install all the replacement parts. You must install a new air bag to replace an activated air bag or an air bag that was removed from the salvage vehicle. You cannot install a used air bag from another vehicle."

Tells me you can't just say I don't want airbags anymore.

"The fee is $200 if you send form MV-907A (NYS Salvage Certificate) as proof of ownership."

Wow that is a lot to just have it inspected and retitled.

"You cannot drive your vehicle to the examination facility if it does not have a valid registration and liability insurance. You must transport the vehicle legally. If your vehicle arrives at the examination facility and has illegal vehicle plates or an illegal vehicle registration, you can receive a ticket, and the DMV will hold the vehicle until you can transport it legally. The person who drives the vehicle to the examination facility must have a valid driver license."

And yet another bill for a tow truck *coughs* BS. For $200 they should come to your house and inspect it.

You could just buy the auction vehicle and the ebay airbags (assuming they are new) and use the ebay airbags for the inspection, then replace them afterwards and resell them. But you would have to add up all the numbers and see if that is worth it to you.

P.s.: I know you live there and must like it but this reminds me why I have never and will never live in NYS.

TheMG
Premium
join:2007-09-04
Canada
kudos:2
reply to hitachi369

said by hitachi369:

Why not just cut the airbags out and screw down the the door.

In most vehicles, you can't do that.

They are intentionally designed so you can't simply close the "door" and make it look like nothing ever happened.

Most airbag designs incorporate the plastic "door" into the airbag assembly itself. The airbag actually rips/breaks the plastic open upon deployment.

If it were possible to simply close the airbag "doors" and make it look like nothing ever happened, then could you imagine if someone sold the vehicle, the new owners would be driving around a vehicle with non-operational airbags without even knowing it (unless the seller told them). Not a good situation!!!


hitachi369
Embrace Your Rights
Premium
join:2001-10-03
Grand Rapids, MI
kudos:4

I never meant to imply that it would look like it rolled off of the show room floor. But it would be a far more cost effective measure, as the op doesn"t appear to want to let it go, but is bulking at the repair price. The air bags are not required for operation, and given the choice personally, I would rather pocket the extra 2 grand.


Trimox

join:2012-09-24
Anywhere

said by hitachi369:

The air bags are not required for operation, and given the choice personally, I would rather pocket the extra 2 grand.

While I agree they are not necessary for operation. Referring to OP's earlier post for NYS law on getting a rebuilt salvage title and thus registration.

www.dmv.ny.gov/salvexam.htm

"Finish the work. Make sure that you complete all the repairs and install all the replacement parts. You must install a new air bag to replace an activated air bag or an air bag that was removed from the salvage vehicle. You cannot install a used air bag from another vehicle."

I might not like the law from my personal stand point, he has to do it just to get it registered. If he could just register it with a salvage title it would not be a problem. But it does not appear in NYS you can do that, but I have been wrong before.


hitachi369
Embrace Your Rights
Premium
join:2001-10-03
Grand Rapids, MI
kudos:4

He should just check with his local DMV, I'm sure they will know best.



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

If I could skip the airbags I would but I think both are required. I do need to ask dmv about that stupid inspection program since I think it only applies to vehicles 8 years and newer.


schmuk

join:2005-08-04
Cleveland, OH
reply to fartness

Check online for Certi Fit. They may be cheaper parts than OE but after all it will only have salvage title. i have used numerous non body parts(lights, grills, mirrors) and have not had a problem



Cho Baka
Premium,MVM
join:2000-11-23
there
kudos:2
reply to fartness

If the vehicle turns up for the inspection and the vehicle has intact airbags from an auto wreckers, how is the inspector going to know?
--
The talented hawk speaks French.



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

Receipts must be turned over. Plus used airbags will look older (the housing) compared to new. DMV police aren't stupid.



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

4 edits
reply to fartness

If I buy the headlight housing, what goes inside? Just high beam, low beam, and turn signal? Or are they all in one? Pretty much what I am asking is what else I have to buy...

Would I need to buy:
1. »www.amazon.com/Ford-Ranger-Repla···tomotive ($44.90 with shipping)
2. »www.amazon.com/gp/product/B003SY···tomotive ($12.47)
3. »www.amazon.com/Sylvania-3157NA-4···nal+bulb ($5.23)
4. Looks like the first link supplys low beam, so do I just need turn signal and high beam? Can someone post links to what else I need or is this all?


rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast
reply to fartness

If it was pa and im stating pa because i dont know how new york works. But in pa the insurance company is going to require the title being marked as salvage but since your the current owner there is nothing stopping you from keeping on registering and driving the truck. Yes the law says it has to be inspected to restore to reconstructed title. But the way we look at it if they are willing to keep sending the tag who is ever going to know. As far as the air bag for some strange reason air bags isnt even considered a safety item for inspection so i would probably cheap out and buy a cheap knockoff from ebay and call it a day. If its not working the light will be on but that wouldnt bother me. Im not sure about the inertia switch but i sure wouldnt be plugging any airbags in without checking for sure if once the switch goes off if it can still be used.


rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast
reply to fartness

As far as the 4200 getting dropped to 3500 i think ide at least argue the 3000 you put in the truck offsets the rust and high mileage. To be honest tho 35 sounds fair to me. Ide still pay the 250 and get it back tho. I really think if you took it to a corner body shop and if you got the two air bags off ebay you could have it repaired for 1200 or so max.



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

If I am exempt from that stupid DMV investigation since the vehicle is over 8 years old, then yes, that is what I will do. If I am not, then I don't have much of a choice.

When I talk to the adjuster again, I will tell him it's $4200 without rust/high mileage OR any additional work, so the $3000 in receipts I provided him need to be factored in. I'll tell him I'm pricing the stuff and $3500 isn't fair. I will ask for $4200.

NY/PA are apples to oranges comparisons unfortunately.


rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast

4 edits

Ok how about my next idea. Spend a day and come down here and get all you parts for a total of 136.00. Yep thats two air bags, bumper, headlight bucket and headlamp assembly at harrys u pull it. »www.wegotused.com/wp-content/upl···List.pdf As far as the inertia switch feel free to throw that little bugger in your pocket as its probably only going to cost a buck anyway. take the parts back and let your little hokey pokey body shop install everything for about 2-3 hundred bucks. Rangers are a dime a dozen down here. Air bags are 35 bucks a piece and even in new york its not like a salvage title is going to tell that cop if the air bags ever did or did not go off. Scroll down on the price list as your parts are listed further down. Your truck is something i could have looking like new in about two hours time. I go there to shop gems all the time. Thousands of cars and where else can you get a 32 valve 4.6 engine with 16000 miles on it for 150 bucks. I can get to new york city in about two hours or less so your probably not that far. As far as new york being so bad i dont know about that. Its pretty common belief around pa not to buy cars from either new york or new jersey because they are generally in pretty dam bad shape compare to pa cars.



Cho Baka
Premium,MVM
join:2000-11-23
there
kudos:2
reply to fartness

Yes, but if you don't tell them that the airbags were replaced, and you show them the photo of the front end, I can't see them assuming that the bags deployed.
--
The talented hawk speaks French.


telco_mtl

join:2012-01-06
reply to fartness

said by fartness:

If I am exempt from that stupid DMV investigation since the vehicle is over 8 years old, then yes, that is what I will do. If I am not, then I don't have much of a choice.

When I talk to the adjuster again, I will tell him it's $4200 without rust/high mileage OR any additional work, so the $3000 in receipts I provided him need to be factored in. I'll tell him I'm pricing the stuff and $3500 isn't fair. I will ask for $4200.

NY/PA are apples to oranges comparisons unfortunately.

I really dont know how things work in NYS but has this accident been reported to the DMV? Because honestly, this is the kind of damage i would just say screw it, fix it myself and no one would be the wiser?


Cheese
Premium
join:2003-10-26
Naples, FL
kudos:1
reply to fartness

That doesn't look like something they would total... just based off this pic.