View Full Version : 2004 Envoy accident
today I got into car accident with my envoy…
I was part of a seven car pile-up on the 5 Fwy..
and I was at the end of the pile-up.....my trucks front was
totally messed up headlights, bumper, fog lights, Hood, radiator,
windshield are no good and what ever else is broken in the engine
and my airbags diploid…I have my Envoy paid off… my question
is this…would the Insurance would try fix my car up or Pay me the
value of my Envoy…
what do you guys think…?.
02EnvoySLE Guy
07-16-2005, 10:30 PM
Ouch. Sorry to hear about the accident, hope you're doing alright. Sounds like you probably have a bad loss on your hands based on your description. Frame horns probably got bent.
It really depends on what insurance coverage you have as far as what they will do for you. Some insurance companies would just give you the bluebook or NADA value (retail) and then there are some that will give you whatever the value is that it would cost to fix the truck. If you're lucky they will cut you a check for the value of all the repair parts, since that will be exponentially more than the retail from KBB or NADA. Example (again) is the accident I had with my old '94 Astro van. KBB/NADA said the truck was worth 4-5K retail, but the repair parts added up to $12K. Insurance paid me the $12K and totalled out the truck.
Good luck!
Jman423
07-16-2005, 10:58 PM
Like Charlie said, sorry to hear about your accident, I hope everything turns out well for ya. I really don't know much about insurance except that I pay too much and I hope that when I need it, I get option that Charlie mentioned, which is the repair value as opposed to the KBB or NADA.
jallshouse
07-16-2005, 10:58 PM
Ouch. Sorry to hear about the accident, hope you're doing alright. Sounds like you probably have a bad loss on your hands based on your description. Frame horns probably got bent.
It really depends on what insurance coverage you have as far as what they will do for you. Some insurance companies would just give you the bluebook or NADA value (retail) and then there are some that will give you whatever the value is that it would cost to fix the truck. If you're lucky they will cut you a check for the value of all the repair parts, since that will be exponentially more than the retail from KBB or NADA. Example (again) is the accident I had with my old '94 Astro van. KBB/NADA said the truck was worth 4-5K retail, but the repair parts added up to $12K. Insurance paid me the $12K and totalled out the truck.
Good luck!
:eek: could i have a copy of your policy, i want to set mine up the same way (just in case)
02EnvoySLE Guy
07-17-2005, 12:04 AM
:eek: could i have a copy of your policy, i want to set mine up the same way (just in case)
I'll see if I can find the paperwork with the full description; if it helps I have full coverage through Auto Owners.
Manbir Sandhu
07-17-2005, 12:05 AM
I have Statefarm insurance, and if the damage is more then the car's value then they will not fix it, if its cheap to fix it, they will fix it for ya. But i do think they should give u a check if the damage is alot cuz even after its fixed it will give u problems as in long terms. Who knows what they forgot to fix
I'am doing ok...
thanks, for asking..
Ouch. Sorry to hear about the accident, hope you're doing alright. Sounds like you probably have a bad loss on your hands based on your description. Frame horns probably got bent.
It really depends on what insurance coverage you have as far as what they will do for you. Some insurance companies would just give you the bluebook or NADA value (retail) and then there are some that will give you whatever the value is that it would cost to fix the truck. If you're lucky they will cut you a check for the value of all the repair parts, since that will be exponentially more than the retail from KBB or NADA. Example (again) is the accident I had with my old '94 Astro van. KBB/NADA said the truck was worth 4-5K retail, but the repair parts added up to $12K. Insurance paid me the $12K and totalled out the truck.
Good luck!
i currently have AAA insurance....
and i have never done a big claim like this one....
but who knows how AAA handles its coverage on paid-off cars....
I went to KBB and my truck is worth $18,125
with 32,400 miles on it..
sallen
07-17-2005, 03:04 AM
my guess would be that they wont totaly it out, but that depends also if the engine is good or not
shay
Envoy Fan
07-17-2005, 11:43 AM
Being a late model (2004) you should press for a total loss, especially since the air bag went off. Insurance company might very well want to have you get it fixed. But depending on the insurance company you have, with the miles you have on it they could try to get the truck fixed using used parts, and or aftermarket parts. If you must get it fixed, demand OEM GM parts, as they will fit better and last longer.
Regardless of outcome, anyone doing a Carfax report on this truck will see that it has been in a wreck and fixed. If you are selling or trading it, this will be a real black mark on the truck, and a lot of dollars will be subtracted from any sale or trade in value. For this reason I would press for a total loss.
With the Employee pricing for all you can get an '05 at a good price.
Hope you come out on this ok, and glad you didn't suffer any personal injury.
Dacomputernerd
07-17-2005, 01:27 PM
Being a late model (2004) you should press for a total loss, especially since the air bag went off. Insurance company might very well want to have you get it fixed. But depending on the insurance company you have, with the miles you have on it they could try to get the truck fixed using used parts, and or aftermarket parts. If you must get it fixed, demand OEM GM parts, as they will fit better and last longer.
Regardless of outcome, anyone doing a Carfax report on this truck will see that it has been in a wreck and fixed. If you are selling or trading it, this will be a real black mark on the truck, and a lot of dollars will be subtracted from any sale or trade in value. For this reason I would press for a total loss.
With the Employee pricing for all you can get an '05 at a good price.
Hope you come out on this ok, and glad you didn't suffer any personal injury.
I agree :yes: A total loss seams the least of all the evils here
i checked the car under neath the truck but the frame doesn't seem to bent..
but the engine seems to be pushed back...
what are your thoughts about that? :(
bmm354
07-18-2005, 04:06 PM
Sorry to hear about the accident. Glad to hear you're OK and I hope everything works out OK for you.
I think most insurance cos. will total out a vehicle if the repair cost is ~80% or greater of the value of the vehicle. If there is serious damage to the engine that could easily be a few thousand bucks right there. Is your Envoy 4WD? I ask because if the engine is pushed back it probably messed up the front drivetrain, which will only add to the cost. Also, one of the front axle shafts passes through a sleeve in the oil pan that could be damaged as well.
It might be close to being totalled depending on the condition of the engine.
ENVOY2LOW43
07-18-2005, 04:21 PM
Sorry to hear about the accident. Glad to hear you're OK and I hope everything works out OK for you.
I think most insurance cos. will total out a vehicle if the repair cost is ~80% or greater of the value of the vehicle. If there is serious damage to the engine that could easily be a few thousand bucks right there. Is your Envoy 4WD? I ask because if the engine is pushed back it probably messed up the front drivetrain, which will only add to the cost. Also, one of the front axle shafts passes through a sleeve in the oil pan that could be damaged as well.
It might be close to being totalled depending on the condition of the engine.
I totally agree. It seems that it would be a close call but it should be deemed a total loss based on the scenario. Have you talked with the insurance guys?
the truck is 2WD....
aren't the 2WD- Front wheel drive on Envoy's
Sorry to hear about the accident. Glad to hear you're OK and I hope everything works out OK for you.
I think most insurance cos. will total out a vehicle if the repair cost is ~80% or greater of the value of the vehicle. If there is serious damage to the engine that could easily be a few thousand bucks right there. Is your Envoy 4WD? I ask because if the engine is pushed back it probably messed up the front drivetrain, which will only add to the cost. Also, one of the front axle shafts passes through a sleeve in the oil pan that could be damaged as well.
It might be close to being totalled depending on the condition of the engine.
I took the truck to a GM dealer today...
AAA will go look at the trk tomorrow...
i just have to wait and see what they tell me.
I totally agree. It seems that it would be a close call but it should be deemed a total loss based on the scenario. Have you talked with the insurance guys?
02EnvoySLE Guy
07-19-2005, 12:24 AM
the truck is 2WD....
aren't the 2WD- Front wheel drive on Envoy's
No. Envoys and TBs are actually real trucks. RWD based. :yes:
We aren't like those "crossover" SUVs. :raspberry
i don't think so because i got stuck in the snow in Utah
and my front wheels were the one's that kept on spinning not the rear :duh:
No. Envoys are actually real trucks. RWD.
ScarabEpic22
07-19-2005, 01:13 AM
i don't think so because i got stuck in the snow in Utah
and my front wheels were the one's that kept on spinning not the rear :duh:
No, all of these GM trucks are either RWD, with or w/out 4WD, except for the TB SS and one or two others(?) which are AWD. If you are still a little skeptical, take a look under your truck and see for yourself.
First, when you got stuck, did you have your truck in 4WD or A4WD? If so, then the reason your front wheels were spinning is because most of the power was being redirected to the front wheels because the back ones were slipping, or had no traction. :duh: Sorry for the run-on sentence. :x
my truck is only 2WD
No, all of these GM trucks are either RWD, with or w/out 4WD, except for the TB SS and one or two others(?) which are AWD. If you are still a little skeptical, take a look under your truck and see for yourself.
First, when you got stuck, did you have your truck in 4WD or A4WD? If so, then the reason your front wheels were spinning is because most of the power was being redirected to the front wheels because the back ones were slipping, or had no traction. :duh: Sorry for the run-on sentence. :x
Jman423
07-19-2005, 01:49 AM
my truck is only 2WD
Find an empty parking lot in the rain, and while making a turn, nail the gas. That will prove it to you when your back end swings out and you hear the back tires peeling out!!
No, of course I have not done this!! ;) :D
02EnvoySLE Guy
07-19-2005, 07:14 AM
my truck is only 2WD
Its still RWD. Either that or it's not an envoy. :o :)
jimmyjam
07-19-2005, 07:19 AM
lol.. thats crazy man... look under your car! that big tube looking thing that goes from the transmission to the rear axle.. Its called a driveshaft. lol, between fwd trailblazers and people touching their monkeys in the car, I've heard it all! :laugh: the 2 wheels in 2wd are refering to the rear ones in this scenario.
i'll try it only if my insurance don't salvage my Envoy :yes:
as of now..my envoy is out of service
Find an empty parking lot in the rain, and while making a turn, nail the gas. That will prove it to you when your back end swings out and you hear the back tires peeling out!!
No, of course I have not done this!! ;) :D
Its an Envoy...
i'll take your word on it..that my envoy is RWD :yes:
Its still RWD. Either that or it's not an envoy. :o :)
ENVOY2LOW43
07-19-2005, 12:26 PM
Its an Envoy...
i'll take your word on it..that my envoy is RWD :yes:
:yes: :yes: :yes:
bmm354
07-19-2005, 01:19 PM
No, all of these GM trucks are either RWD, with or w/out 4WD, except for the TB SS and one or two others(?) which are AWD. If you are still a little skeptical, take a look under your truck and see for
Yup--the Bravada, Buick Rainier and Saab 9-7X are AWD. I'm pretty sure they all ('02+ Bravada does for sure) use a transfer case similar to their 4x4 counterparts; it's just programmed differently to always run in auto 4WD. It's as if you glued the switch in your TB or Envoy to that spot. They use a slightly weaker t-case and don't have low range either. There's also no switch to turn the system on or off.
ScarabEpic22
07-20-2005, 01:51 AM
Yup--the Bravada, Buick Rainier and Saab 9-7X are AWD. I'm pretty sure they all ('02+ Bravada does for sure) use a transfer case similar to their 4x4 counterparts; it's just programmed differently to always run in auto 4WD. It's as if you glued the switch in your TB or Envoy to that spot. They use a slightly weaker t-case and don't have low range either. There's also no switch to turn the system on or off.
Thanks for confirming which trucks actually had the AWD feature. I knew some did, just not which ones besides the Saab. :D
02EnvoySLE Guy
07-20-2005, 12:50 PM
Thanks for confirming which trucks actually had the AWD feature. I knew some did, just not which ones besides the Saab. :D
Yup.... and don't forget the most important one with AWD:
TBSS :yes::D