RobWNY wrote:
I think the biggest concern for buyers of the Ford all Aluminum body pickups will be the cost of insuring them. The vast majority of vehicle repair shops aren't equipped to fix Aluminum panels. They replace them with new panels. I have a friend that had hail damage (7 small dings)on the hood of his Mazda Miata that is Aluminum. The repair facility didn't even attempt to repair it. They just installed a new hood. The cost of repairs will be significantly higher after a collision and therefore so will the insurance costs.
You are thinking wrong Rob!!
Many times when I was still working, I would contact insurance brokers as customers upgraded their trucks from a 5 to 10 yr old to a new F150 and often insurance would not go up, sometimes down. More noticable when brand changes were made.
After questioning this, the answer is obvious.. :h
This is Canada but imagine similar in ther USA where there are more lawyers per capita...:B
Ther big insurance companys really don't worry about a $2000 repair or even a $35,000 total loss. They really do worry about a $1000,000 personal injury claim with possible ongoing payments for rest of that persons life.
So as the crash safety rating improved from say a 2003 to a 2013 F150 they would not charge more even though trucks worth say $10,000 to $40,000.
In their eyes, there was less chance of an injury and thats what drives huge rate changes.
So as long as the 2015 F150 have improved crash ratings (which they will) the rates will likely not change much at all.
