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Re: Totaled my 150, need help with question
Were you injured in a way that airbag deployment would have prevented/reduced? If so, you MIGHT have a case, but you'll need to pay one HELLUVAN attorney, and quite a few high-priced professional witnesses to win anything. Odds are you'll lose regardless.
If you're not injured, then it proves Ford built the truck & the SRS perfectly: you didn't need them, and they didn't deploy. Buy another one.
Remember that "totalling" is just an insurance company option. It has nothing to do with you or the truck. It just means they'll pay you the maximum value of the truck, as it was moments before the collision. Be sure they add the value of any cargo that was damaged, as well as any lost work (assuming your policy covers them). Repairs are meaningless, other than to show the truck's condition - you don't get that money back. Upgrades/mods MAY be added if you followed the policy's provisions for reporting/documenting them.
But no matter what, the truck & all its contents belong to YOU. If they offer to buy it, you can negotiate the price they pay you, over & above the value of the policy (which they'll pay regardless). If you can't come to an agreement, it's your truck to keep/sell/repair as you choose.
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