Adjuster says truck is totalled. frame bent 90*inward. Shop

by urfunnygurl » Mon Mar 28, 2011 02:16 pm

TRUCK STILL STARTS AND DRIVES. hIT JUST INSIDE LEFT HEADLIGHT. Visuable dcamage is left front end area, bumper, grill, parking light, fender, hood. Also, bed is now touching cab, rear bumper was damaged because I was towing a trl when I wrecked.
Shop says they can fix for 2grand less than insurance payout. Do I keep this truck? Scared I will be buying a problem, what do you think. Also, does the payoff have to include sales tax? It is 98 ford ranger steop side 5spd with 100,900. orig miles. ran great, no prev. body damage, interior needs help, but other than that a very good truck.
Insurance offered 4000. or 3000 if I keep the truck

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