Jeep got a booboo, and now insurance aggravation

Hasselblad

TJ Enthusiast
Original poster
Joined
Oct 10, 2020
Messages
143
Location
Utah Mountains
A few weeks back I was on my way up the mountain to work, when ahead on the other side of the highway there was a major incident (was dark and only saw lights of the emergency vehicles ahead) and traffic on our side was flowing smoothly. Suddenly just as I got close to the incident everyone in front of me slammed on their brakes, and I followed suit coming to a stop a few feet behind the truck in front of me. I looked into my rearview and closed my eyes because it was clear the car behind me was clearly not going to be stopping, she plowed into the back of the TJ and forced me into the back of the truck. Her sedan became quite crinched, and the truck had it's bumper mangled. I looked at those first because I didn't want to look at the TJ (and truth be told my first thought was worry that my fishing rod was broken when it came flying up from in back)

When I looked finally at the jeep I was pleased to see only minor visible damage (at first glance), and looked like the ARB bumpers and spare took the brunt of the impacts (yay ARB!) but the spare tire swing pushed in the tailgate a bit. The tow hitch bit a piece off her front end and was embedded in the hitch hole. One of the front fenders was bent.

To make a long story short it went into the body shop on the dime of the car's insurance, my biggest worry was frame damage but it seemingly shrugged it off. I drove to work after the LEO took statements and all, and noticed that the steering was really stiff, almost like I was driving a car without power steering. Once I got off the highway it was even more stiff at low speed, and it took a bit more turn of the wheel to get it to turn as normal.

So the body shop took it to a local mechanic who they told to give it an alignment. They requested a couple hours diagnosis on the steering issue but the body shop told them to only do the alignment as they feared insurance would not cover something unproven to be a result of the accident. Now I am no stranger to working on my front end, having chased the DW dragon for years, replacing most all of the steering linkage, as well as more recently the bearings, ball joints, and brakes. I think that the steering acting like a manual would have been noticed.

So the body shop told me the alignment is done and would I come down to give a test drive. The moment I pulled out I knew that nothing had changed and it was just as stiff as after the accident, and turned the wheel until the tires started to rub on something. I was turning the wheel a far distance beyond what I was previously able to. The guy at the shop then said they were taking it today to the local jeep dealer service department to get their insight (I honestly have to laugh at that) and see if THEY thought it was accident related and what may be causing it.

I am a bit pissed at this point and plan to call my insurance agent to crack the whip. What recourse would I have if the insurance companies shrug and play notmyproblem? I have Allstate so I am not too worried, and hers is American Family, also not bad.

What do you fine folk think of the issue? Power steering horked?

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It doesn’t matter if it was before or after. There is no way for an insurance adjuster to say that the steering was not harmed by the accident. American Family Insurance has to fix it.

Your chosen body shop should argue to the insurance company till they get the money.
 
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"Alignment" sheet too might help.

-Mac

I've no easy access to the jeep, they still have it (or rather the jeep dealer may have it now)

After so many years and part replacements chasing the deathwobble and finally smashing it, I really do not want a repeat and for the past couple weeks had been giving serious thought to jumping on a 2025 JL deal. But I cannot stand having only the choice of auto 2l or manual 3.5. If only I could drop my 4.0 in it...

Fingers crossed that the jeep dealer knows what they're doing. Just remembered one of the guys in service there I chatted with has a rubi almost identical to mine, maybe he has brain cells. I do not have a lot of faith anymore in dealer service departments as they know very little beyond what the computer they hook up to vehicles tells them.
 
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That seriously sucks man. Hopefully they will cover it. Usually they just decide to total these things, so I guess you're off to a good start

That was another one of my worries, because book value and real world value on a low-ish mileage 06 rubicon is vastly different.

Edit: Which reminds me to make sure my agent goes after depreciation value, since I can never sell as non-accident now.
 
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I really like the idea of the 35" Package, even if not optimal. At the end of the day my brief negotiation with the wife about possibly getting the 2025 (and getting clearance begrudgingly) might be translated into a (much lower out of pocket expenditure) move onto a proper lift and regear on the TJ. It is my daily driver after all.

Looking back I really am glad for those honking heavy steel bumpers on my TJ. And glad what rear-ended me was not one of the omnipresent double oil tankers. It also reinforces my opinion that no matter how well the TJ maneuvers in bad weather and can stop on a dime when I need it to, it means squat when you cannot avoid other drivers.
 
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2 month update:
Jeep dealer service department still wiffing. New steering column should be here today. This entire process they have literally just been throwing parts at it.
 
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I had stiff steering at low engine speed once and it was caused by the valve in the PS pump sticking. Revving the engine gave power steering back.

Having previously replaced a pump, I knew that removing the pipe fitting from the pump, the valve, which is sprung forces the pipe fitting away from the pump, and has to be pushed in to get the thread started when refitting.

Removing the pipe fitting after experiencing loss of PS at low revs, the fitting wasn't pushed out. The valve was stuck in the body of the pump. I pushed the valve and it went in slightly, but only came out to where it had been.

I figured the valve must be sticking on some sort of particle that had been in the fluid. I pushed the valve in several times in quick succession and it freed up coming half out of the pump as it should when the fitting is removed.

I removed it, cleaned it off with a rag, wiped out the inside of the valve housing too. After refitting everything and making sure the fluid level was ok, I started the engine and had PS back at idle. I've had no issues since.

I'm not sure if your issue could be similar, since you mentioned having to turn the wheel beyond what you used to, but thought it worth a mention.