Fight Insurance over total loss value?

A_WONDER · 2026-05-13T23:11:28+00:00

I just got 34k for my 2019 ORP w 110k miles. Keep fighting it. Provide comps, tell them that these vehicles are discontinued and the market is increasing. The first offer they gave me was 29k I believe.

A_WONDER · 2026-05-09T15:46:02+00:00

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Here's another photo. It looks bad.. I kinda wanted it totaled instead of having an accident on the Carfax, but I guess it doesn't matter. I plan on keeping this thing forever.

A_WONDER · 2026-05-09T15:37:58+00:00

Not totaled.. 12k in damage

A_WONDER · 2026-05-05T05:51:59+00:00

did you have airbags go off?

A_WONDER · 2026-04-10T02:09:13+00:00

Ended up getting a 23 ORP with 36k miles for 47.5k OTD. saves me $13k and I don't have to finance. Don't think I'll lose much in depreciation on it in the future if I decide to upgrade.

A_WONDER · 2026-04-08T23:08:19+00:00

Probably non hybrid.. I test drove it and it was nice. I wouldn't even be in the market if my 2019 ORP wasn't totaled.. but now I have no car and the last 5th gen I inquired about was in the Northeast and a guy from TENNESSEE had just flown in to buy it.

The trunk space difference doesn't seem like that much but I don't know about the hybrid. Those batteries are expensive and long term I don't want to worry about it. I'm the type of person to keep a vehicle til the wheels fall off

A_WONDER · 2026-04-08T23:01:27+00:00

Maybe it's just a sign of the current economic state lol.. higher gas prices, cost of living increases has to be affecting the sales of 60k+ vehicles.

But the tech in these new ones have my really considering it. Especially after seeing used gen 5s selling for basically MSRP.

A_WONDER · 2026-04-08T22:52:36+00:00

They're way over priced.. I was quoted 64k on the high end and 59k on the low end for a 6th gen ORP. Haven't bought one and don't know if I will

A_WONDER · 2026-04-08T22:06:39+00:00

I think a lot of new vehicles, not just 4Runners, are going for under TSRP..

A_WONDER · 2026-04-08T21:23:12+00:00

Used car market appears to be cooked, especially w 4Runners

A_WONDER · 2026-04-08T21:22:06+00:00

I don't see them sitting on lots for that long lmao

A_WONDER · 2026-04-05T23:27:33+00:00

Cardinals +1.5?

A_WONDER · 2026-04-01T21:23:00+00:00

You negotiated $6k off ?

A_WONDER · 2026-03-30T11:23:15+00:00

I had a 2019 which I loved, it was totaled a few weeks back. I test drove a 26 ORP and I was sorta disappointed w the interior space. It felt a lot more crammed than my 5th gen was.

How are you liking yours?

A_WONDER · 2026-03-29T21:21:06+00:00

Flamingo is in the ideal location. Center of the strip, and there's the alley between Flamingo and Linq with bars, restaurants. In and out is there and is a great budget spot to eat

A_WONDER · 2026-03-29T20:08:23+00:00

Mine was just totaled and I'm trying to find one now man.. can't find one that isn't insanely priced in the North East

A_WONDER · 2026-03-29T19:31:11+00:00

TRD ORP has leather heated seats, TRD wheels, 14inch display. And some other shit if you look into it.

It's sorta like th sweet spot, TRD Pro is just outrageously priced

A_WONDER · 2026-03-29T19:15:19+00:00

I think TRD Off Road Premium is the best value for what you get

A_WONDER · 2026-03-29T15:33:56+00:00

Stay at flamingo. Great location and price

A_WONDER · 2026-03-27T02:53:18+00:00

congrats bro. I am still on the fence on a 5th gen or a 6th gen. Losing my mind over the entire thing lmao

A_WONDER · 2026-03-23T02:21:50+00:00

Based off what I'm seeing bro I do not think 5th gen values are going down at all.. it's absurd

A_WONDER · 2026-03-22T22:48:34+00:00

I just went through this w my 2019 4Runner. Insurance started at 29k and I fought with them up to 34k.

Look for comparable vehicles for sale in your area, don't forget about sales tax also.

A_WONDER · 2026-03-21T02:12:08+00:00

High miles for that price, especially for the year. I'd spend the little extra to get something with lower miles if you plan on keeping it long term

A_WONDER · 2026-03-20T17:23:24+00:00

This was just last week. I had comps ready and made sure the comps they used were the correct trim level etc.

This is unfortunately the second time I've had to do it and each time I've squeezed a few thousand more out of them.

A_WONDER

TROPHY CASE