Brand new truck rear-ended, insurance glossing over hidden damage + resale loss — anyone dealt with this?

I went through almost this exact situation about a year ago — newer vehicle, rear-end hit, insurance acting like the damage was no big deal. The rattle you're describing is exactly what I had, and it turned out to be a bent exhaust hanger AND a cracked frame brace that the first shop completely missed. Get an independent inspection, full stop. Don't let them close your claim before that happens.

Worked in auto claims for years. Here's the honest truth: the shop your insurer "recommended" has a direct repair agreement with them, which creates a financial incentive to keep estimates lean. That doesn't mean they're always wrong, but it means you have every right to get a second opinion from a shop you choose yourself. Also, push in writing for OEM parts — once you get it in writing as a request, it's harder for them to quietly swap in aftermarket without your knowledge.

On the diminished value piece — this is actually something a lot of PI attorneys will evaluate for free during a consultation, even if your injuries turn out to be minor. The property damage side and the injury side of your claim are related but can be handled somewhat separately. Keep every receipt, every photo, every communication with the adjuster. That paper trail matters a lot if you end up needing to escalate.

Please don't wait on that neck pain and those headaches. Delayed onset symptoms after a rear-end collision are really common — your body was in shock and adrenaline masked things initially. Getting evaluated now also creates a medical record that ties your symptoms to the accident, which matters a lot if things get worse down the line. Even if it turns out to be nothing serious, you'll feel better knowing.

Not legal advice, but diminished value claims on low-mileage vehicles are some of the stronger ones to make because the math is more concrete — a vehicle appraiser can put an actual number on the loss. The "we don't handle depreciation" line is a negotiating position, not a legal fact. Worth at least a free consult to understand your options before you sign anything.

Three things: (1) Get your own inspection before authorizing any repairs. (2) Submit your OEM parts request in writing via email so there's a record. (3) Do not sign any release or "final settlement" paperwork until your neck situation is fully evaluated. Once you sign, it's usually over.

Quick question — did you get a copy of the police report yet, and is liability actually settled (i.e. is the other driver's insurance accepting fault)? That changes what options you have significantly. If there's any dispute about fault, the strategy shifts a bit.