- Apr 12, 2012
- 215
Need some insight. Envoy totalled
- Thread starter warriorpluto
- Start date
Dadwagon
Member
I don't have an answer for you, but wanted to say I'm sorry that happened and hope no one got hurt.
Blckshdw
Moderator
Holy 
man!! So sorry to see that happened to your truck. I'm not sure what you can do with the insurance company though.
Mooseman
Moderator
I've heard of some negotiating with insurance for a better payout. Need to be armed with lots of info, what the retail prices are for this vehicle to get a comparable replacement, what the condition of it was before the damage (photos would be good), mileage, options (being a Denali, should be full). Any upgrades or additions? Make sure they know about it.
This is where I've seen it.
This is where I've seen it.
- Jul 22, 2015
- 2,724
Totalled, schmotalled... that'll buff right out! (kidding, obviously)
As the others have said... glad no one was hurt. Man, I can imagine the noise that made.
They probably asked you, but if you had just splurged for new tires, etc., you can have that accounted for. I had a car stolen once, and got a little extra $ b/c I had just put new tires on it.
I'm sure they asked about the mileage, so that's been taken into account. Higher mileage will subtract a lot; lower adds hardly anything (which sucks).
Make *sure* they know it's a Denali trim, just in case they didn't have it listed. These days, when they get the VIN of a vehicle in order to quote a policy, the trim level usually shows up, tho.
You can sometimes ask for another adjuster to assess the settlement amount, especially if they are allowed input for the intangibles that we all mentioned above. Otherwise, it's a numbers game, and their computer & NADA have the final say.
If all else fails, grab anything you think you can sell, off the truck. Like those wheels (but you'll have to put something on in exchange), the opposite running board-?, head / tail lights, anything you can get into the truck and safely get (the Denali steering wheel will bring some $, for example) In the shape that's in, I doubt whomever they sell it to is going to try and salvage much of the interior, TBH. And that affects the insurance company's offer, too - because part of their offer is based on what they expect to recover by selling it for salvage - which won't be much, given the condition.
Finally, if they have the option for you to buy it back, *and* you have the means to do it, the engine and trans would be worth a couple thousand; engine alone $1200-1500, depending on mileage, as it's an all-aluminum 5.3L LS (although the 823 heads aren't highly valued.) The rear axle wouldn't fetch too much, as it's probably a high ratio (3.23 or similar); GM stopped putting the 3.73 in with the V8 Envoys after '04.
Good luck on reaching a fair settlement. Fingers crossed.
As the others have said... glad no one was hurt. Man, I can imagine the noise that made.
They probably asked you, but if you had just splurged for new tires, etc., you can have that accounted for. I had a car stolen once, and got a little extra $ b/c I had just put new tires on it.
I'm sure they asked about the mileage, so that's been taken into account. Higher mileage will subtract a lot; lower adds hardly anything (which sucks).
Make *sure* they know it's a Denali trim, just in case they didn't have it listed. These days, when they get the VIN of a vehicle in order to quote a policy, the trim level usually shows up, tho.
You can sometimes ask for another adjuster to assess the settlement amount, especially if they are allowed input for the intangibles that we all mentioned above. Otherwise, it's a numbers game, and their computer & NADA have the final say.
If all else fails, grab anything you think you can sell, off the truck. Like those wheels (but you'll have to put something on in exchange), the opposite running board-?, head / tail lights, anything you can get into the truck and safely get (the Denali steering wheel will bring some $, for example) In the shape that's in, I doubt whomever they sell it to is going to try and salvage much of the interior, TBH. And that affects the insurance company's offer, too - because part of their offer is based on what they expect to recover by selling it for salvage - which won't be much, given the condition.
Finally, if they have the option for you to buy it back, *and* you have the means to do it, the engine and trans would be worth a couple thousand; engine alone $1200-1500, depending on mileage, as it's an all-aluminum 5.3L LS (although the 823 heads aren't highly valued.) The rear axle wouldn't fetch too much, as it's probably a high ratio (3.23 or similar); GM stopped putting the 3.73 in with the V8 Envoys after '04.
Good luck on reaching a fair settlement. Fingers crossed.
When my wife hit a car with our Aztek, they offered us 800 bucks for it. I showed them lower equipped cars with higher miles that were selling for 3-5k more than what they were offering. We eventually settled at 3900. I repaired it for 290, and we were off and running.
You gotta play hard ball, their job is to low ball you and hope you take it. Its going to take a lot of going back and forth, but its worth it in the long run. Your Denali is a lot more common, and you should be able to find prime replacement options and show them the comparables.
Use all your resources, local car dealers, eBay, Craigslist, Cars.com, autotrader.com, carfax.com, and Autotempest.com, and dont just stay local, search nationwide. For my Aztek, the closest comparable car with similar miles, and no where near the options, but more than most other models, we found in Michigan.
Heres a 06 Denali LWB for sale local to me for example..
How many miles were on yours? I can think of at least 5-9 things I really could use off that. So sad..
You gotta play hard ball, their job is to low ball you and hope you take it. Its going to take a lot of going back and forth, but its worth it in the long run. Your Denali is a lot more common, and you should be able to find prime replacement options and show them the comparables.
Use all your resources, local car dealers, eBay, Craigslist, Cars.com, autotrader.com, carfax.com, and Autotempest.com, and dont just stay local, search nationwide. For my Aztek, the closest comparable car with similar miles, and no where near the options, but more than most other models, we found in Michigan.
Heres a 06 Denali LWB for sale local to me for example..
2006 GMC Envoy Denali 4x4 4WD Four Wheel Drive SKU:66114898 - cars &...
SOLD!!! This GMC Envoy XL has just been Sold. As America's Largest Automotive Retailer we have...
denver.craigslist.org
How many miles were on yours? I can think of at least 5-9 things I really could use off that. So sad..
Last edited:
- Apr 12, 2012
- 215
Thanks for the information guys. I'll call back the insurance company because I really can't find any Denali for a cheap price definitely not 4500. Plus the auction process have sky rocketed. Stuff I was usually paying 2500 for are now going for more than what they are selling for on Carlots. Really in a tight spot now. My truck was very clean. Just hate it went out like that
aaserv
Member
Very hard to watch. Pine trees are the Rust of the South... Don't know about where you are but from the looks of it not very far from me. In Louisiana we have a State Insurance Commissioner who you can take your low ball complaints to , usually the insurance company will come up with a better offer but don't hesitate to get the IC involved and even an attorney as a last resort if they refuse to come up with a reasonable offer.
- Apr 12, 2012
- 215
Yes that's where I am. North Louisiana. I'll try to look into that
And what appears to be a TBSS is also a victim down there.. Hope for the best for all you rebuilding.