BMW M3 Forum (E90 E92)

BMW Garage BMW Meets Register Search Today's Posts Mark Forums Read


Go Back   M3Post - BMW M3 Forum > M3 (E90 / E92 / E93) > Regional Forums > USA - New England
 
VF Engineering
Post Reply
 
Thread Tools Search this Thread
      09-30-2012, 12:43 PM   #1
Cortexiphan
Private First Class
 
Cortexiphan's Avatar
 
Drives: BMW M3 '11
Join Date: Jun 2012
Location: Boston, MA

Posts: 116
iTrader: (0)

Hit & Run, need advice

Hello,

Yesterday morning I drove to New York City, and came back at night. My car was parked in a garage during the day, and at night, I had to park it on street for like 2 hours, and left around 11pm. I didnt notice it there because it was night, and the damage wasnt noticable from sides or inside. When I came back home, I noticed my car was hit from front end, there was a little bit of yellow paint, front end of the hood was bent (I'd say 1.5 inches) , kidney grills were moved a little bit, and there were small scratches on the bumper. The damage weren't noticeable from inside, so the hood didn't really move. Looked like an SUV hit in reverse, judging from the color, it was possibly one of those ford suv cabs. But of course, it's irrelevant now.

So at this pont, I have to ask, should I make an insurance claim or should I pay for it myself? And how can I make an insurance claim for this? How much would it cost to paint the bumper + fix and paint the hood + possibly replace the holders of the kidney grills and where should I take it? I live in Newton.

I would appreciate any kind of advice.
__________________
2011 BMW M3 E92
2008 BMW X5 - Sold
2008 BMW 330i E93- Sold
Cortexiphan is offline   United_States
0
Reply With Quote
      09-30-2012, 01:09 PM   #2
lorinzo
Captain
 
Drives: 2011 e90 M3
Join Date: Feb 2012
Location: Los Angeles, CA

Posts: 715
iTrader: (0)

Depends upon if you have coverage and amount of your deductible.

Sounds like more that $1k worth of damage.

Best of luck with the repairs.
__________________
| 2011 M3 Sedan | Le Mans Blue | M-DCT | ZC2 | ZCP | ZP3 | Moonroof | Enhanced Premium Sound | Dinan free flow exhaust | Dinan performance engine software | Dinan pulley | Dinan intake | Dinan pedals | Bimmian LED interior | Lux H8 V3 | WeissLicht PY24W LED | 20% tint | IND reflectors | IND front grills | IND key hole cover | IND hood vents | IND M5 mirror covers | Reus Systems audio upgrade | Verstraβe shifter paddles | BBS LM 20x9 et 15 and 20x10 et 20 | Michelin PSS 245/30/20 and 275/30/20 | H&R Sport springs |
lorinzo is offline   United_States
0
Reply With Quote
      09-30-2012, 02:28 PM   #3
Cortexiphan
Private First Class
 
Cortexiphan's Avatar
 
Drives: BMW M3 '11
Join Date: Jun 2012
Location: Boston, MA

Posts: 116
iTrader: (0)

I have $300 deductible and full coverage. Would they cover it even though I don't have a police report? Even if they do, does it worth loosing my clean record and raising my premium?

__________________
2011 BMW M3 E92
2008 BMW X5 - Sold
2008 BMW 330i E93- Sold

Last edited by Cortexiphan; 09-30-2012 at 03:08 PM.
Cortexiphan is offline   United_States
0
Reply With Quote
      10-01-2012, 07:57 AM   #4
Cortexiphan
Private First Class
 
Cortexiphan's Avatar
 
Drives: BMW M3 '11
Join Date: Jun 2012
Location: Boston, MA

Posts: 116
iTrader: (0)

So... Anybody?
__________________
2011 BMW M3 E92
2008 BMW X5 - Sold
2008 BMW 330i E93- Sold
Cortexiphan is offline   United_States
0
Reply With Quote
      10-31-2012, 02:36 PM   #5
DopeM3
M Power
 
DopeM3's Avatar
 
Drives: M3
Join Date: Jun 2012
Location: NH

Posts: 1,295
iTrader: (8)

If you have collusion coverage, you're good.
DopeM3 is offline   United_States
0
Reply With Quote
      10-31-2012, 08:26 PM   #6
MJM
BMW CCA Boston Chapter - Member
 
MJM's Avatar
 
Drives: 2011 E90 M3, ZCP
Join Date: Apr 2007
Location: Massachusetts

Posts: 508
iTrader: (0)

If you have the optional collision coverage, insurance pays for collision damage to your auto, less any applicable deductible, no matter who causes the accident. If your car is financed, your lender may require this coverage and may require it to be fixed.

Why would you pay for this yourself? You were not at fault and not cited by law enforcement. Since the cost to repair this correctly will certainly exceed your $300.00 deductible, this is exactly what you have insurance for.

First you need to submit a claim to the insurance company with all the information you have. Then find a body shop you feel has a good reputation for quality work, get a formal written estimate and submit that to the insurance company as soon as you can. Don't just go to anyone they recommend.

I have had quality work done by Dick's Auto Body in Somerville, MA. They work on lots of BMWs, Porsches, and other high-end cars. Frank the Manager there can guide you correctly.
MJM is offline   United_States
0
Reply With Quote
      11-15-2012, 11:03 AM   #7
Cortexiphan
Private First Class
 
Cortexiphan's Avatar
 
Drives: BMW M3 '11
Join Date: Jun 2012
Location: Boston, MA

Posts: 116
iTrader: (0)

Quote:
Originally Posted by MJM View Post
If you have the optional collision coverage, insurance pays for collision damage to your auto, less any applicable deductible, no matter who causes the accident. If your car is financed, your lender may require this coverage and may require it to be fixed.

Why would you pay for this yourself? You were not at fault and not cited by law enforcement. Since the cost to repair this correctly will certainly exceed your $300.00 deductible, this is exactly what you have insurance for.

First you need to submit a claim to the insurance company with all the information you have. Then find a body shop you feel has a good reputation for quality work, get a formal written estimate and submit that to the insurance company as soon as you can. Don't just go to anyone they recommend.

I have had quality work done by Dick's Auto Body in Somerville, MA. They work on lots of BMWs, Porsches, and other high-end cars. Frank the Manager there can guide you correctly.
Thank you very much for your detailed reply. Meanwhile, my car got fixed. Rather ridiculously, the bill was $8K, I really don't understand what they did, but I think they replaced the entire hood, bumper, and some stuff behind the bumper. I've checked everything, it's all original OEM.
__________________
2011 BMW M3 E92
2008 BMW X5 - Sold
2008 BMW 330i E93- Sold
Cortexiphan is offline   United_States
0
Reply With Quote
      11-15-2012, 11:19 AM   #8
OMID INC
Lieutenant Colonel
 
OMID INC's Avatar
 
Drives: E70 X5
Join Date: Feb 2010
Location: Chicago

Posts: 1,566
iTrader: (6)

your insurance probably will not go up. if the accident occurred at or near the zip code you provided to the insurance company as the zip code where the car is "parked most of the time" or "parked over night," then it may if accidents like this continue to happen.

they ask for that zip code because they place relative risk valuations on the neighborhood your car is parked in. for example, if there are many thefts or break in's reported in that zip code, your overall insurance price would likely be more expensive anyway.

i doubt this one time event will change much, but insurance is in the business of managing risk. once they feel your car is in a risky place, rates may change. again, unlikely though.

sucks to hear about that. happens all the time. ive had a few cars hit outside my place over night.
OMID INC is offline  
0
Reply With Quote
Post Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -5. The time now is 05:42 PM.




m3post
Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST