Hail Damaged Hilux

Submitted: Thursday, Mar 11, 2010 at 15:25
ThreadID: 76773 Views:6084 Replies:6 FollowUps:9
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Hi All, My Hilux was pulverised on the weekend by Tennis ball sized hail and my question revolves around the repairability of the "ROOF" and "Pillars" , I know panels can be replaced etc, but the Roof has been dented in around 20-30 different spots, including the pillars and some of the dents are huge, as you can imagine with Tennis Ball sized hail. The bonnet and right hand side of the vehicle look smashed but I was trying to pre-empt what the insurance copany will do because if they write it off, I will need to pull out seats, lights, power chips, wheels etc etc which are not covered in the insurance. I know with some cars the roof is a replaceable skin but not sure if the Hilux is the same or different.?
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Reply By: Member - mazcan - Thursday, Mar 11, 2010 at 15:36

Thursday, Mar 11, 2010 at 15:36
hi terrafirma
gee thats very extensive damage
ice is hard when it comes with such forces of nature
some policies have exclusions for storm and tempest so i'd be reading the fine print
as for the extras well providing you still have the original equiptmt that you removed and can put it back before an assessor sees it there should;nt be a problem
but i dont think you can strip it after it's been assessed as they claim it is there property and you have to forfit that imho
good luck and cheers
AnswerID: 408400

Reply By: Mandrake's Solar Power- Thursday, Mar 11, 2010 at 15:54

Thursday, Mar 11, 2010 at 15:54
If the paint is still intact ( not cracked ) maybe that Ice and Heat trick would work on the dents ? It was posted here a movie clip on u-Tube a few weeks back ?



AnswerID: 408401

Reply By: Fab72 - Thursday, Mar 11, 2010 at 16:40

Thursday, Mar 11, 2010 at 16:40
Howdy TerraFirma,
You neglected to tell us how old your HiLux is and the approximate replacement value.

The answer to your question depends on a lot of things like, did you have an agreed value or market value policy? Does it cover storm damage? What is an estimate of the damage? How much is your truck worth?

If it's a 1984 HiLux, I'd get the spanners out and start stripping it. If it's more like a 2008/09 SR5, you should be alright. Particularly if you listed all the extras on your insurance policy, because they'd have to pay you out the replacement value of not only your truck, but the accessories too if they decided to write it off.
AnswerID: 408406

Reply By: Member - Steve R (NSW) - Thursday, Mar 11, 2010 at 16:46

Thursday, Mar 11, 2010 at 16:46
Hi TerraFirma

I had a 3 month old Mazda 323 whicch was extensively hail damaged in Sydney in 1998. Every panel including roof was seriously damaged and they would not write it off. They replaced every panel including the roof (known as turret) and it was as good as new. Kept it for 12 years in the family with no problems.

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AnswerID: 408407

Reply By: Gramps - Thursday, Mar 11, 2010 at 16:47

Thursday, Mar 11, 2010 at 16:47
They might just slice off the roof and damaged pillars (turning it into a convertible, temporarily) then graft a new top on. Seen that done before.

AnswerID: 408408

Reply By: TerraFirma - Thursday, Mar 11, 2010 at 16:51

Thursday, Mar 11, 2010 at 16:51
Thanks Guys, It is a 2006 Dual Can Turbo Diesel and I just spoke to one of the panel beaters who is responsible and he has advised they will repair the vehicle, they will put a new roof on and replace every right hand side panel and bonnet.

My question was the repairability of the roof and it appears that even replacing all the panels and roof you will struggle to spend $20k whereas the market value of the vehicle is around $40k.
AnswerID: 408410

Follow Up By: Member - Teege (NSW) - Thursday, Mar 11, 2010 at 17:19

Thursday, Mar 11, 2010 at 17:19
Insurance companies can also be expected to take into account how much they can recover from selling the "wreck". In your case, if they thought they could get $25000 at auction for it as is, they might still write it off. Probably not much chance of that, but has to be considered.

FollowupID: 678364

Follow Up By: Ianw - Thursday, Mar 11, 2010 at 18:56

Thursday, Mar 11, 2010 at 18:56
A 2006 dual cab worth $40k? Somebodys dreaming!!! Would need to have a LOT of extras !!!

FollowupID: 678376

Follow Up By: TerraFirma - Thursday, Mar 11, 2010 at 19:20

Thursday, Mar 11, 2010 at 19:20
Really Ian, Well obviosuly you don't know your cars very well. Car Sales has a a myriad of 4x4 SR5 Auto Dual Cab Turbo Diesels at around $40k, in fact here is one at $41,900 with basic features. (2006 Model)


You have used the term "Dreaming" which is a silly comment given there are some many 2006 models for around that sort of price.
FollowupID: 678378

Follow Up By: Secret Mens Business - Thursday, Mar 11, 2010 at 19:30

Thursday, Mar 11, 2010 at 19:30
This bloke wants $46k for a 2006 Model Hilux..! I think $40k is the going rate for a Turbo Diesel Auto Dual Cab Automatic 4X4 model. They are $55k upwards new and hold their value very well.
FollowupID: 678379

Follow Up By: Ianw - Thursday, Mar 11, 2010 at 19:49

Thursday, Mar 11, 2010 at 19:49
As I said "Dreaming" !!! (CarSales is full of "Dreamers") I would like to say my bus is worth $30k but I'm realistic. Even private sale a 2006 is not going to get $40k. Unless you have agreed price insurance its commercial value will be in the low 30s. A $51K New vehicle will lose 15 to 20k in the first 4 years, hence low 30s at best.


However, go for it !!

FollowupID: 678381

Follow Up By: Ianw - Thursday, Mar 11, 2010 at 19:51

Thursday, Mar 11, 2010 at 19:51

Try again
FollowupID: 678382

Follow Up By: Muddy doe (SA) - Thursday, Mar 11, 2010 at 22:30

Thursday, Mar 11, 2010 at 22:30
Yep - depreciation can be a shocker.

Our $60,000 Prado is now 5 years old and I would be scratching to get much over 25 grand probably.

It's a long term keeper so I don't really care to think about it too much!

FollowupID: 678424

Follow Up By: Member - Brenton W (SA) - Thursday, Mar 11, 2010 at 23:12

Thursday, Mar 11, 2010 at 23:12
Cant help but agree with Ian. what people ask for there vehicles and what they end up with are 2 different things. cars depreciate houses apreciate.
I paid $57000 for my 08 november Prado would be lucky if i got 40 k for it now, but such a brillant vehicle would hate to part with it. takes a big hill to pull it back!!!!!!!
FollowupID: 678441

Follow Up By: Fab72 - Friday, Mar 12, 2010 at 19:41

Friday, Mar 12, 2010 at 19:41
"cars depreciate houses apreciate. "
Houses don't appreciate...that's a myth. It's the land the house is sitting on that appreciates. Technicality...I know.
FollowupID: 678529

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