|
|
05-08-2011, 01:44 PM | #1 |
Your Mom
13
Rep 234
Posts |
MAJOR Accident - Insurance Company Want's to Fix
I have a 2008 M3 - Fully Loaded
I got into a rather minor, yet structurally major accident a couple weeks back. Long story short some idiot cut me off causing me to go off the road hitting the curb (4 inches high) at around 40 MPH. Needless to say the car has significant front end, suspension, axle, airbag, etc etc etc. Got a call Friday that the car has, above what I have already mentioned a frame that is "off center" which will need to be put into place. No "damage" from what he continues to tell me (the insurance adjuster) but fixable nonetheless. Oh and because of the frame "issues" the roof buckled, but that's also "fixable". Solution replace the roof. Yes, they are going to cut the rood off my car and REPLACE it! Cost for repair: $31,770 I have various concerns: 1) Airbag deployments are documented on Carfax correct? 2) Any frame issues, regardless of it being bent or not are documented correct? 3) Should I push to get the vehicle inspected by BMW before signing off on repairs and taking possession of the car again? Since the car is still under all the warranties, I don't want to have an issue later and be told "well this car was in an accident so we're not going to cover it" type response. Then a follow-up question, should I just sell it and call it a day, or keep it? |
05-08-2011, 02:18 PM | #2 |
Brigadier General
848
Rep 3,274
Posts |
Unfortunately, I think the above poster is correct. I would do everything in your power to try and have the car declared a total loss. Not only should the insurance adjuster inspect the car but someone at BMW should absolutely inspect it as well. They may find other things bringing the cost up and making it more likely a total.
__________________
|
Appreciate
0
|
05-08-2011, 02:23 PM | #3 | |
Major
213
Rep 1,395
Posts |
Quote:
__________________
Club 6MT 2008 E92 M3 6MT, AW/Blk Ext., brushed aluminum 2006 E46 M3 ZCP 6MT Carbon blk/blk(sold) 2001 E46 325Xi 5MT Jet Blk/Blk (sold) |
|
Appreciate
0
|
05-08-2011, 03:04 PM | #7 |
Colonel
248
Rep 2,513
Posts |
Dude, Fight for it to be totalled!!! You gonna have a lot of problem / money loss by keeping this car!
I don't get it though, usually the cut off for totalling a car is when its cost of repair is70% of its current value. So 31,770/0.70= 45,385 Get $45K from the insurance company and give the car to them. How much do you think the value of your car is now?
__________________
AW|FR 6MT E92 ///M3 |
Appreciate
0
|
05-08-2011, 03:17 PM | #8 |
First Lieutenant
67
Rep 341
Posts
Drives: 2011 E90 M3 W/ ZCP, ZPP, ZCW
Join Date: Oct 2010
Location: Graffenwoehr, Germany
|
Do everything in your power to get rid of that car. If your insurance company is going to fix your car you need to get a lawyer because they are also supposed to take into account the loss of value of the car. I agree with the above individual a good rule of thumb is 70% plus the loss in value your car should be a total loss. You should contact your claims reps supervisor and get a detailed explination on the claim. Hope I could be of help.
__________________
E90 M3 W/ ESS VT2-625, Macht Schnell race X-Pipe, UUC Cat-back exhaust, Stoptech ST60
|
Appreciate
0
|
05-08-2011, 03:29 PM | #9 |
Banned
314
Rep 8,496
Posts |
in regards to your last question, as long as your car doesn't have a "salvage" title, BMW will have to honor the warranty.
I would push for it to be a total loss. |
Appreciate
0
|
05-08-2011, 03:38 PM | #10 | |
Banned
89
Rep 1,315
Posts |
Quote:
|
|
Appreciate
0
|
05-08-2011, 04:44 PM | #11 |
Lieutenant
106
Rep 504
Posts |
Have another body shop estimate the cost for repair on the vehicle. Specifically, one with higher labor rates. This should push the cost of repair high enough for the insurance company to declare a total loss. Most insurance companys allow you to go to whichever body shop you prefer. If that doesn't work, get a lawyer. Just my .02
|
Appreciate
0
|
05-08-2011, 05:47 PM | #12 | |
Troll
79
Rep 1,193
Posts |
Alternatively, there is a loon on this forum looking to buy a wrecked M3 so maybe try track him down and offload it once fixed? IIRC he was willing to part with $40k for a SALVAGE'd one!
__________________
BMW E92 M3 Coupe | Jerez Black | Fox Red Extended / Carbon Black Trim| Fully Loaded | Moonroof | 6MT | Gintani Sport Quote:
|
|
Appreciate
0
|
05-08-2011, 06:34 PM | #13 | |
Banned
67
Rep 2,536
Posts |
Quote:
usual moronic response from someone who has no idea what they are talking about.. How do you know it won't drive the same again? How do you know it won't feel the same again? If a good shop fixes it, there SHOULDN'T be any problem. Besides an accident history showing up on the carfax. |
|
Appreciate
0
|
05-08-2011, 06:41 PM | #14 | |
Colonel
248
Rep 2,513
Posts |
Quote:
__________________
AW|FR 6MT E92 ///M3 |
|
Appreciate
0
|
05-08-2011, 07:49 PM | #15 | |
Banned
67
Rep 2,536
Posts |
Quote:
dude, it is what it is.. If the car was beat, and had high mileage i'd probably opt for it to be totaled, but i doubt this is the case here... And it wouldn't matter to me anyway, i'd be doing the repairs myself. So i know it would be done right. |
|
Appreciate
0
|
05-08-2011, 08:51 PM | #16 |
Colonel
344
Rep 2,928
Posts
Drives: 328i, 335i, M3, 535i, X5, 36M
Join Date: Oct 2010
Location: OC
iTrader: (3)
Garage List 2014 Ford Raptor [0.00]
2012 328i E92 [10.00] 2013 X5 [0.00] 2013 335i F30 [8.00] 1990 Toyota Previa [0.00] 1997 E36 M3 [10.00] 2011 E92 M3 [0.00] 2011 535i [0.00] |
Go to a BMW verified collision center. Your 31k estimate will magically become 62k and declared total loss. BMW centers are known to charge double of a normal body shop. There will be an invoice of at least 2-3 grand worth of screws, nuts, and bolts. As the factory requires replacement of these items because they are deemed one time use only by BMW.
|
Appreciate
0
|
05-08-2011, 09:00 PM | #17 |
Second Lieutenant
21
Rep 222
Posts |
"And it wouldn't matter to me anyway, i'd be doing the repairs myself. So i know it would be done right."
If that's the case you could buy the OP's car from him for $31K, fix it for less, and drive it for the rest of your life. Everybody's happy. |
Appreciate
0
|
05-08-2011, 09:20 PM | #19 | |
Lieutenant Colonel
148
Rep 1,885
Posts |
Quote:
__________________
'11 E92 M3 ZCP SG 6MT Tech Sound USB Heat Cloth Aluminium Sunshade
http://www.m3post.com/forums/showthread.php?t=422151 |
|
Appreciate
0
|
05-08-2011, 09:20 PM | #20 |
Major
120
Rep 1,379
Posts
Drives: Goal: Another ///M
Join Date: Nov 2009
Location: Garland, TX & Northern England
|
Need for the them to give you a check, find a lawyer.
__________________
14 Lexus GX460 & 14 Lexus ES300H 14 BMW 528d Touring Estate - UK Previous M's: 11 BMW M3 JZB ZCP 6MT, 02 BMW M3 Conv 6MT & 02 BMW M3 Coupe 6MT |
Appreciate
0
|
05-09-2011, 12:46 AM | #21 |
Been There, Done That.
654
Rep 4,728
Posts |
Get them to total it.
|
Appreciate
0
|
05-09-2011, 02:33 AM | #22 |
Private
2
Rep 94
Posts |
Sorry to hear about your accident! My recommendation is to have your car tow to BMW of Concord Collision Center to have a second estimate done. They are pretty much the only one you can trust to have your car repair right (if you have frame damage) around here, or they will discuss with your insurance to total it! I went with BMWCCA to attend one of their tech session & was very impress with their facility & their frame repair procedure. Gook Luck!
Last edited by 08E92M3; 05-09-2011 at 02:38 AM.. |
Appreciate
0
|
Post Reply |
Bookmarks |
|
|