Meh, it's just a stripped down Ranger. It was little more than a beater when it rolled off the assembly line.

Now it has. . . uh. . . patina.

What exactly are the damages? :waiting:

I was looking for a stainless steel one but couldn't find one that matched the rating on my truck. The aluminum one met the criteria. Without checking, I think it's 8000#.

Right now the bed is full of trash, so I can't tell if it's damaged. Doubt it, as the tailgate seems to operate normally. The transfer station is closed tomorrow, I'll clean it out on Thursday, and have an appointment with the repair shop on Friday.

Edit: link to the mount. CURT 45360 Aluminum Trailer Hitch Ball Mount, Fits 2-Inch Receiver, 8,000 lbs, 1-Inch Hole, 2-in Drop, 1-in Rise, Black https://a.co/d/hNz3YDn

There's no reason for you to have to pay your deductible if you're not at fault. Your insurer sounds clueless.

As I previously mentioned I have Travelers. Not sure if it's their policy or maybe state law, but I can have work done at the collision shop of my choice (probably has to be state licensed).

Your reading comprehension is terrible.

* its https://i.imgur.com/jkx6Zdo.gif

My insurer, Nationwide, will do the same. However if I use their shop all work is warranted until I no longer own it.

Not at all. I don't care if they promise to reimburse after they subrogate, there's no reason to impose a deductible if you're not at fault.

Do you have an insurance agent or do you deal direct with the insurer?

I had two full-size PUs back in the 1970s. I found that the smaller ones did everything I needed.

When I was working and having to carry injection molds back and forth, I probably never had to carry anything close to 1,000 lbs.

And my Tacomas carried 1,500 lbs. of coal just fine. :)

But contractors and farmers (like my buddy) mostly need full-sizers.

Your memory sucks. :funnier:

I'm out the deductible for the month or three that the bean counters negotiate. What's the interest on a G, a few dollars? Not exactly an issue.

We've had the same local agency for 27 years, and the same representative, Meg, for about 20...

You're triggered again. Calm down, take a Midol. :seasix:

Since my Ranger is about the same size as a 70's F150, I consider it full sized.

Most oversized trucks I see are carrying air. Apparently there is a shortage of that some places?

Wow, ok. If you're good with it, that's all that counts. :seasix:

It's not about the interest :spdchk:
It's about the fact your agent is advising you to do something that doesn't make any sense.:Jeff '79:

The whole point is, you're making this more complicated than it has to be. I'm assuming old guy isn't going to contest fault. You are the claimant, meaning, you make a claim on the old guy's policy, they determine liability and coverage, they inspect, they pay. Hell, they probably have their own pro shop that they'll guarantee work at, too, if that makes a difference.

Involving your insurer 1) leaves a record of claim activity, which insurers don't like, and 2) just makes things harder. They'll do the same legwork, investigate coverage, determine liability, inspect the truck, and will pay part of the claim, then they'll contact the old guy's insurance, make the claim, his insurance will investigate, determine liability, then cut a check to your insurance company, then you'll have to chase down your insurance company to get the deductible amount.

Why not just cut out the middleman entirely? You really only need to bring your carrier into it if the other guy's carrier balks at paying for some reason.

You mean it makes no sense to you.

The alternative is dealing with Travelers myself, being on hold for hours and having a damaged vehicle for a month, likely longer. No thanks; "I have people for that".

I choose EZ. :yesnod:

Um, where did you get that from? I actually prefer dealing with an agent.

Talk about poor reading comprehension. :rofl::rofl::rofl: