Georgia 4Runner
New member
First off, I am a true idiot. I am 18 years old and was teaching a 15 year old how to drive a bit better and she ended up wrecking my 1998 Toyota 4Runner SR5 4wd. Its all my fault for letting her drive, but it was on private property and she did not drive on public roads.
Here's what happened: She was driving down a dirt road at around 25 mph and hit washboard surfaces and ruts. The back end flung out, sending us into heavy brush, ending with the truck deflecting off a tree. No airbags were set off, but the bumper, right headlight and corner, grille, hood, RF Fender, Pass. Door skin and mirror, entire back door, and the RR fender skin. All side glass is ruined, along with the wheels. I am not sure about any frame damage. There is a bit of minor damage under the hood like broken intake and fuse box, but the real problem is that the back axle hit the tree, possibly bending it. The truck ran fine and I limped it the half-mile to civilization. The 4Runner is now at Capitol Toyota, State Farm's choice. The claim was made by my dad not knowing she was underage, but State Farm now knows and the adjuster hasn't called me.
My insurance has a $1000 deductible for collision. I have not recieved an estimate, but am thinking maybe $8000 all told?
Here are the pics:
Photobucket
Will State Farm cover it? If not, will her father's insurance cover it? Will his homeowners? Sorry I don't have all the details.
Thanks!
Here's what happened: She was driving down a dirt road at around 25 mph and hit washboard surfaces and ruts. The back end flung out, sending us into heavy brush, ending with the truck deflecting off a tree. No airbags were set off, but the bumper, right headlight and corner, grille, hood, RF Fender, Pass. Door skin and mirror, entire back door, and the RR fender skin. All side glass is ruined, along with the wheels. I am not sure about any frame damage. There is a bit of minor damage under the hood like broken intake and fuse box, but the real problem is that the back axle hit the tree, possibly bending it. The truck ran fine and I limped it the half-mile to civilization. The 4Runner is now at Capitol Toyota, State Farm's choice. The claim was made by my dad not knowing she was underage, but State Farm now knows and the adjuster hasn't called me.
My insurance has a $1000 deductible for collision. I have not recieved an estimate, but am thinking maybe $8000 all told?
Here are the pics:
Photobucket
Will State Farm cover it? If not, will her father's insurance cover it? Will his homeowners? Sorry I don't have all the details.
Thanks!
