Yeah, almost $3k more than I paid for my brand new fully loaded Lariat back in April. Maybe the engine cover, rocker panel plugs, 2 more bed tie-downs, rear door smart entry and the painted rear handle are just worth the extra cost. ?This seems high to for 34k miles…
This also looks lifted? and maybe bigger tires/aftermarket wheels?
I am always leary of pre-modded vehicles, you never know what was done and by who and what was done right and what was done half-assed.
Not all, but many "certified" mechanics are under a time constraint and take shortcuts.
There are plenty of good mechanics - but there are plenty of bad ones. I have seen and done enough sketchy repairs in my time to know what is possible.
Probably the type that uses an impact gun on the splined anti-theft lug nuts and wonders why they are always crap.I traded in my Colorado and this dealership is trying to sell it for more than the MSRP when it was newI found this 2019 Lariat FX4 with 16,000 miles on it. That price ($43k) is still pushing it. Still cheaper than $65k though. Lol
Almost makes me wonder if they might also use some mods to deny claims. Regardless of that (and I'm sure it depends on the mods & me just being cynical), when my agent said they pay the replacement value, I simply assumed she meant the amount it would take to replace it. But when used prices fluctuate far above Kelly Blue Book, it sounds like their payout won't even cover replacement. Thanks for posting this, I'm going to review my policy with my agent.
Thanks for the heads up to the readers of this forum. I have been an agent for 26 years, for a different national company. Most insurance companies do not use Blue Book, there is another industry based valuation tool, in a market like this companies will also look at “comps” selling at local dealers. Mods can be covered, but not for free. This answer makes no sense at all. More customization risk means more premium. Like you said each reader should contact their own agent for specifics.
Yeah, I thought it was too good to be true too, but I confirmed this twice in email (have a record of it). I've been with State Farm for a longgggg time and also cover my home with them (have extra coverage I pay extra for with it), so maybe that is a factor.
Captive agents for National companies are almost always 1099 subcontractors, not employees, therefore contractually the policy is between you and State Farm, the emails are great, but an agent has no legal authority to change a contract. Just to be safe, I would email the agent your receipts for the mods so there is a record of what you spent. One nuance that might be at play here is when a car is totaled and the insured recently spent money on new tires (stock), an AC unit, even a new rebuilt engine, if older, the insurance companies will adjust the amount offered, this does not include mods which are enhancements and should be charged for as a matter of common sense. I have nothing but respect for State Farm and would represent them if not with my current company. I can’t believe they would leave money on the table and not charge for mods which can run in the tens of thousands potentially in the event of a loss. I would venture to guess all other companies charge for mods, be curious as to others experience.
Thanks for chiming in! And yes, they asked me to send them receipts and pics, and I did. If I add other mods with significant pricing, I'll send them those too. I was prepared to pay more for additional coverage (like I do on my home policy), but this is all they said they needed.
