Insurance and diminished value question after an accident.

[th3w01f]

Today our neighbor ran into our 2019 4Runner, the full impact was taken directly in the passenger side wheel, some minor damage to the body around the wheel. We were driving at about 40mph and he pulled out of his driveway directly into us, he was turning left so the passenger bumper went straight into the wheel. The wheel is pretty trashed but I'm very concerned about internal damage, this is an AWD vehicle as well. Does anyone have experience with think kind of damage and what may be involved?

I'm also curious for any advice or experience with diminished value claims in CO. We didn't even think about that a few years ago when our Ridgeline was hit. That only only had some damage to the rear quarter panel (total repair was like $3K) but on trade-in but the three dealers we tried to work with were starting with trade in -$5000 just because of the carfax.

He does have insurance... actually we both have the same company but different agents.

[MED]

Today our neighbor ran into our 2019 4Runner, the full impact was taken directly in the passenger side wheel, some minor damage to the body around the wheel. We were driving at about 40mph and he pulled out of his driveway directly into us, he was turning left so the passenger bumper went straight into the wheel. The wheel is pretty trashed but I'm very concerned about internal damage, this is an AWD vehicle as well. Does anyone have experience with think kind of damage and what may be involved? Damage to both the steering and suspension parts possible; it will need to be checked for frame damage...not sure what those use for a "frame" these days.

I'm also curious for any advice or experience with diminished value claims in CO. We didn't even think about that a few years ago when our Ridgeline was hit. That only only had some damage to the rear quarter panel (total repair was like $3K) but on trade-in but the three dealers we tried to work with were starting with trade in -$5000 just because of the carfax.

He does have insurance... actually we both have the same company but different agents.

[Irving]

Diminished value claims became pretty common about 8-10 years ago when I was getting out of auto claims. I would ask his, or your insurance company about it.

[Great-Kazoo]

It's all up to the ins adj.
Guy down the road has a (less than) 5k mile) 19 pick up. Guy at store backs out of lot right in to his grill. $9500 later he's back on the road. The reason i mention this is.

What looks like minor damage can be a real surprise when having the estimate done. A lot of sensors were damaged, along with (something) computer related that had he driven it longer would have caused it to overheat.

TLDR version: make sure they're thorough when estimating damage. AND as it's a new vehicle you want all factory replacement parts.

[BlasterBob]

MED, we were told that the frame on the 2019 4Runner is same as the Toyota truck frame but no mention if that truck frame was Taco or Tundra???

[th3w01f]

TLDR version: make sure they're thorough when estimating damage. AND as it's a new vehicle you want all factory replacement parts.

This is one of my main concerns since it's a new vehicle and the brunt of the impact was straight into the rear wheel.

[Wulf202]

I got hit similarly. Hub damage and the axle was slightly moved. You probably have independent suspension so finding a good alignment shop to double check would be my priority.

I used Lakewood alignment for the supplemental suspension damage

[Gman]

It's all up to the ins adj.
Guy down the road has a (less than) 5k mile) 19 pick up. Guy at store backs out of lot right in to his grill. $9500 later he's back on the road. The reason i mention this is.

What looks like minor damage can be a real surprise when having the estimate done. A lot of sensors were damaged, along with (something) computer related that had he driven it longer would have caused it to overheat.

Wouldn't surprise me if the truck had active shutters in the grill. They have become common in the hunt for increased efficiency.

[MrAK]

You should have an independent front suspension similar to my FJ Cruiser, stock suspension is tough on them but I would definitely have a good shop or dealership thoroughly check it out. Stevenson Toyota was pretty awesome about getting me in on short notice recently and had great staff. As someone previously mentioned, your wheel hubs and surrounding components like control arms might have been damaged or tweaked, with my initial concern being about the hubs. If your 4Runner is setup like my ride, which is also awd, then I’d be concerned about the transfer case, front diff, and even the cv axles. Depending on how the impact went, you could be looking at a lot of bushings / tie rod ends/ etc that could have been stressed / bent / or otherwise thrown out of whack.

[brutal]

I read rear axle.

Maybe not so much a big deal as a front transaxle/suspension hit.