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Discussion Starter · #1 ·
My 2011 Xterra took a 40 MPH hit to the rear by a 2013 Camaro. I still had a trailer hitch installed from towing a motorcycle trailer.

The Camaro had minimal exterior damage, just a hole in the bumper, but the impact bar was nearly torn in half. I was launched into a 2019 Tacoma so hard it buckled his truck bed. The front of my truck was flattened.

It looks like the trailer hitch is bent downward about 10-12 degrees. It also appears that the rear passenger door body gap is closed near the bottom. I have not heard from the adjuster yet, but what do you guys think? Does that look like rear frame damage?

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Do you have a picture of what the underside looked like/where the hitch mounts to the frame?

The door gaps definitely don't look promising to me. Not crazy bad but it definitely looks like it tweaked the frame a little.

That with the front looking like it needs fenders, hood, crash bar, bumper, core support and probably more I would expect it to be totaled.
 

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Discussion Starter · #3 ·
Unfortunately, I am dealing with the after-effects of a concussion so I could not crawl underneath to get photos.

It was such a great vehicle. I really hate to lose it.
 

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Looking at that damage I would guess they will total it.
Do not take their first or even 4th offer, get your own comps and fight them for every dime.
 

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I've seen them total Xterra's for far less damage than that. Just judging from the front, your front frame horns have to be bent as they're designed to crumple in case of impact, I know from experience. Also that rear trailer hitch is much stronger than the frame - I'd assume the rear frame is bent as well. If it were just the receiver hitch that was bent your door gap wouldn't have changed. I think it's toast man.

The bigger question is how the hell could a Camaro hit you so hard that it sent you into the car in front of you, did THAT level of damage to your X, yet only sustained "minimal exterior damage, just a hole in the bumper."?? That makes no sense.
 

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I was rear-ended at a stop by a kid in a Honda Prelude, probably wasn't going 40, but plenty fast to pop the rear end up (likely saving me from whiplash) and push me into the also-stopped pickup in front of me. Front passenger's corner was crunched, as was the rear bumper and hitch. Don't remember if any of the door gaps were out of alignment. Insurance totaled it.
It sounds and looks like yours was even worse, so I'm gonna bet that they will total it too.
 

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No pictures of the frame listed.

I had a truck hit the trailer I was towing and it pulled on the frame enough to pinch the two rails together. I'm guessing something similar is going on under your truck except the direction is opposite so they are probably pushed away from each other.

The rails back there aren't doing much imo.
 

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Discussion Starter · #10 ·
Thanks all for the comments. We had to call the driver's insurance company repeatedly to get a callback. And they told us that they could not reach the insured and will not accept liability until they do, or the police report has been completed. My insurance company is not involved and putting pressure on them.

And so it begins. I had bad dealing with this insurer when one of their insured rear-ended me 30 years ago, rupturing three discs in my lower back. I am probably not going to wait for them to screw me over again.

But the good news is that my daughter, although sore has hell, is doing much better. I am being treated for concussion and vertigo. I am very fortunate to be able to see a specialist that treats the Jax Jaguar team member for concussions later today so hopefully this will turn around soon.
 

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Prayers Sent
 

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We lost our vehicle and had the other damaged from a guy that hit both of them when parked in front of out house when he was basically street racing. Took us 3 months of dealing with his insurance to get settled. You can PM me if you have any questions.

Glad you are getting good help and doing better.
 

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Discussion Starter · #15 · (Edited)
Insurance is jerking us around, but my son took me to clean out my belongings and take a few more pics since I am on driving restrictions.

The odd thing is that is the passenger-side door gap is closed near the bottom (pictures in OP) but it is on the driver's side where the hitch looks pushed in. Also, the driver's side rear seat will no longer lift up - the latch mechanism seems to be broken or jammed.

I made my peace in letting it go. It was a damn good truck and never gave me an issue that I could not easily resolve in 135k miles. I'd love to find another one, but low mileage Xterras (50k or less) are hard to find. And I don't want an Xterra that has been in a long-term relationship with someone else. So in the next week or so I will probably look for a Frontier (unless I get lucky).
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Did you file through your insurance company? If not you need to do so. Only work through them. As far as the other driver’s carrier is concerned they have no liability to you in anyway shape or form.
I just went through this exact same thing. Don't kid yourself, your insurance company has no loyalty to you either. The only thing that going through yours will do is get it done faster but it won't guarantee you will get a higher price or your deductible back.

Your insurance will give you a price and take your deductible, under the assumption they can get the other insurance company to agree but this isn't guaranteed. They will then go after the other driver's insurance company and try to get their money back and your deductible but again, this isn't guaranteed and the other insurance company can say no and fight it and refuse to pay that high amount. If that happens then your insurance company eats the difference and you don't get your deductible back.

Any claims adjuster, no matter which insured party they represent is only looking to limit the liability of their company. Anything they can do to limit the amount of money being paid out is their one and only job. Don't get me wrong, they are some of the most helpful and nice people you will find but they are not looking out for your best financial interests.

We started with our insurance because the other driver was in a coma for a few weeks and his insurance wouldn't do anything until they could speak with him. So our insurance low balled us and we went back and forth with them for almost a month and got then to come up $2,500. Then we contacted his insurance once they could speak with him and spent two more months going around and around with them. We finally got them to pay top dollar for our totaled car, rental car reimbursement and loss of use. So being patient and going through them got us over $5,000 more than our insurance's original offer. Our situation was different because we were in no rush to replace our car, had other cars to drive and didn't mind waiting which not everyone has that ability.
 

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Discussion Starter · #19 ·
What insurance company is this ? The company that isn’t returning any of your calls ?
State Farm. They are returning calls but not accepting liability until the police report is accessible and that might take "two or more weeks". Which is BS. The driver admitted fault and the driver of the truck I hit stated several times that I had stopped prior to hitting him. I believe the kid may have lawyered up, and I don't necessarily blame him.
 

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Discussion Starter · #20 ·
I just went through this exact same thing. Don't kid yourself, your insurance company has no loyalty to you either. The only thing that going through yours will do is get it done faster but it won't guarantee you will get a higher price or your deductible back.

Your insurance will give you a price and take your deductible, under the assumption they can get the other insurance company to agree but this isn't guaranteed. They will then go after the other driver's insurance company and try to get their money back and your deductible but again, this isn't guaranteed and the other insurance company can say no and fight it and refuse to pay that high amount. If that happens then your insurance company eats the difference and you don't get your deductible back.

Any claims adjuster, no matter which insured party they represent is only looking to limit the liability of their company. Anything they can do to limit the amount of money being paid out is their one and only job. Don't get me wrong, they are some of the most helpful and nice people you will find but they are not looking out for your best financial interests.

We started with our insurance because the other driver was in a coma for a few weeks and his insurance wouldn't do anything until they could speak with him. So our insurance low balled us and we went back and forth with them for almost a month and got then to come up $2,500. Then we contacted his insurance once they could speak with him and spent two more months going around and around with them. We finally got them to pay top dollar for our totaled car, rental car reimbursement and loss of use. So being patient and going through them got us over $5,000 more than our insurance's original offer. Our situation was different because we were in no rush to replace our car, had other cars to drive and didn't mind waiting which not everyone has that ability.
I'm in a position where I won't be released to drive for at least another week. And even then, I am blessed to be in a situation to afford a new truck so I probably won't wait for the payout. But I do need to get confirmation of it being totaled - which I think realistically, it's easy to tell, I am just in denial. It's a 10-year-old truck with 135k miles.
 
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