[m3dvo]

Originally Posted by spicoli024

And, to make matters worse, her insurance company is taking their sweet a$$ time to get an adjuster out there to investigate the damages.

That's interesting... I was in an accident where a woman hit the left rear knocking my bumper off. Since she was at fault, my insurance brought out their own appraiser and provided the estimate. My adjuster said I wouldn't need to pay the deductible and my insurance paid up front and the went after her insurance.

If she's at fault, I wouldn't expect you to have to wait for her insurance... your insurance needs to step up. But I guess all insurance companies have their own policies.

Hang in there!

[spicoli024]

Originally Posted by Dive335Xi

First of all, Glad your Ok. Sorry about your car thoough. Ive always said if this were to happen to me, I'd sit in the car, and tell the Fire Department to cut the roof off so they could get me out of the car because my back hurt too much to move. Once the roof is cut, you dont have to worry about fighting with the insurance company, its totalled... end of story.

jaws of life?

Originally Posted by m3dvo

Hang in there!

Trust me, I am trying, but I have never owned anything and respected it as much as that car. It really sucks. It is easy for the e9x guys to say upgrade and get a new one but I am truly an e46 fan. I loved EVERYTHING about that M car. It was sooo raw. Driving the Pontiac is killing me but at least it is not the KIA! Btw, if you have any advise on the insurance perspective, please, pm me. Thanks.

Kyle

[spicoli024]

For sh1ts, it might be funny if I started a thread documenting how much I have fvcked up this G6. It's kinda funny. Poor car, I am sure someone would have liked it.

[nusevad]

ouch, retarded drivers like that old lady needs a punch in the face, or a kick in the groin.

[spicoli024]

^ haha or the caucus?

[Nawaaz]

So did your insurance say your M3 is repairable?

[spicoli024]

It is going through her insurance and I have still not heard. Apparently the damages do not qualify as a total loss, but it is close and an adjuster still needs to go have a look. I feel like they are not doing anything. Can I go through my own insurance and have them deal with this or would that not be smart? Would my rates go up more if I decided to go through my insurance? Anyone know?

[TLud]

Originally Posted by spicoli024

It is going through her insurance and I have still not heard. Apparently the damages do not qualify as a total loss, but it is close and an adjuster still needs to go have a look. I feel like they are not doing anything. Can I go through my own insurance and have them deal with this or would that not be smart? Would my rates go up more if I decided to go through my insurance? Anyone know?

Do NOT go through your own insurance or even contact them. When I was with Geico, I contacted my insurance twice about possible claims, neither of which Geico ever had to pay out on (one was covered by other driver's insurer other was uninsured motorist that I paid out of pocket to fix). A year later they raised my rates, even though neither accident was my fault and neither accident cost them anything. Technically, there's no supposed to be able to do that, but practically speaking, they can do whatever they want. Insurance companies are the devil. The more you can keep them in the dark, the better off you are. Just keep calling and harassing the old lady's insurance company and the adjuster once one is assigned.

[m3dvo]

Originally Posted by TLud

Do NOT go through your own insurance or even contact them. When I was with Geico, I contacted my insurance twice about possible claims, neither of which Geico ever had to pay out on (one was covered by other driver's insurer other was uninsured motorist that I paid out of pocket to fix). A year later they raised my rates, even though neither accident was my fault and neither accident cost them anything. Technically, there's no supposed to be able to do that, but practically speaking, they can do whatever they want. Insurance companies are the devil. The more you can keep them in the dark, the better off you are. Just keep calling and harassing the old lady's insurance company and the adjuster once one is assigned.

Wow... Geico sucks then. I've unfortunately been involved in a few incidents and fortunately was not found at fault and I've always contacted my agent first and gone through my insurance. I've not had my rates go up because of an accident that was not my fault.

In my experiences, by going through my insurance, they deal with chasing the other insurance company. But like I said before each insurance company is different and each state has their own laws on it.

And agree, insurance companys are the devil.

If you have a good agent, call them and get their option... you don't have to file anything.

[Moxie]

Originally Posted by m3dvo

Wow... Geico sucks then. I've unfortunately been involved in a few incidents and fortunately was not found at fault and I've always contacted my agent first and gone through my insurance. I've not had my rates go up because of an accident that was not my fault.

In my experiences, by going through my insurance, they deal with chasing the other insurance company. But like I said before each insurance company is different and each state has their own laws on it.

And agree, insurance companys are the devil.

If you have a good agent, call them and get their option... you don't have to file anything.

If your insurance company is good, they will go to battle for you. I was a hit & run victim by an uninsured, unliscensed driver while our vehicle was parked unattended. A good sameritain got the plate of the offender & reported it to the police. My USAA insurance was able to get $$ from the uninsured driver 2 years after the accident to repay me my deductable.

[spicoli024]

Originally Posted by m3dvo

Wow... Geico sucks then. I've unfortunately been involved in a few incidents and fortunately was not found at fault and I've always contacted my agent first and gone through my insurance. I've not had my rates go up because of an accident that was not my fault.

In my experiences, by going through my insurance, they deal with chasing the other insurance company. But like I said before each insurance company is different and each state has their own laws on it.

And agree, insurance companys are the devil.

If you have a good agent, call them and get their option... you don't have to file anything.

Who is your provider?

[spicoli024]

The woman's insurance company finally took a look at my car yesterday. They estimated damages at $12,475 but do not think, at this point, it is a total loss. Fvckn a man, I would think any other insurance company would just total it. Metropolitan Collision is going to remove the sidewalls and let her insurance company inspect the integrity before they make their decision. At this point though I think I would rather them just total it. I mean, really over $12,000 of damages on a $22,000 car. Come on.

[TLud]

Originally Posted by spicoli024

The woman's insurance company finally took a look at my car yesterday. They estimated damages at $12,475 but do not think, at this point, it is a total loss. Fvckn a man, I would think any other insurance company would just total it. Metropolitan Collision is going to remove the sidewalls and let her insurance company inspect the integrity before they make their decision. At this point though I think I would rather them just total it. I mean, really over $12,000 of damages on a $22,000 car. Come on.

I was going to say that the insurance company would opt to repair unless you have at least $16k or $17k in damage. These days, insurance companies require closer to 75-80% before totaling the car out. Hopefully, they find some more repairs when they look closer. Make sure to let the adjuster know right up front that you will be seeking compensation for dimunition in value, which is recognized under Texas law. That could help push them over the edge if they're on the fence.

A friend of mine just had her 535i t-boned and her car is now keeping your's company over there at Metropolitan.

[spicoli024]

Originally Posted by TLud

I was going to say that the insurance company would opt to repair unless you have at least $16k or $17k in damage. These days, insurance companies require closer to 75-80% before totaling the car out. Hopefully, they find some more repairs when they look closer. Make sure to let the adjuster know right up front that you will be seeking compensation for dimunition in value, which is recognized under Texas law. That could help push them over the edge if they're on the fence.

A friend of mine just had her 535i t-boned and her car is now keeping your's company over there at Metropolitan.

That is an excellent point, thank you! Hartford, her insurance provider, claims they consider cars a lost cause when the cost for repairs amounts to 72% of the car's estimated worth. So, I suppose I would need around $3,000 more in damages to be discovered in order for it to be considered totaled. If I didn't like that car so much I would go in there with a sledge hammer and beat the life out of it, but that scenario would just be wrong after all the good times together. However, now that I think about it, I do not recall anyone mentioning any damage to the suspension, which would easily add another 3Gs and I am sure it was damaged as I was changing lanes to avoid her when I hit her. I'll keep my fingers crossed for now.

As for Metropolitan, if it comes down to being repaired, I would not trust anyone else in town but them.

[spicoli024]

Also, I know most people on this forum are e9x guys, but if you know of anyone who would want some parts off my e46M, considering it does get totaled, let me know. I'm sure I could walk out of there with some souvenirs for charity. The mods, however, will either be transfered to a new car or sold.

[skierman64]

Looking at the pics, it doesn't have the DVD based nav system does it?

[m3dvo]

Originally Posted by spicoli024

Who is your provider?

Hanover Ins., but I'm pretty sure they don't service the TX area. And like Moxie said...

Originally Posted by Moxie

If your insurance company is good, they will go to battle for you.

Make sure they include 4 wheel alignment, check the steering components and see if the left rim is damaged ... can't see it from the pic... oh and you can't see the section where the left front fender meets the driver's side door.

And if it does get totaled, asked the insurance company how much it would cost to buy the totaled vehicle from them. Reason being is that I had a Wrangler a while back and it was totaled... Insurance gave me 5k for it and said I could buy it back from them as totaled for $400... Insurance companies don't want to have to deal with totaled cars so they may practically give it away... good luck again

[spicoli024]

Originally Posted by skierman64

Looking at the pics, it doesn't have the DVD based nav system does it?

Nope.

Originally Posted by m3dvo

And if it does get totaled, asked the insurance company how much it would cost to buy the totaled vehicle from them. Reason being is that I had a Wrangler a while back and it was totaled... Insurance gave me 5k for it and said I could buy it back from them as totaled for $400... Insurance companies don't want to have to deal with totaled cars so they may practically give it away... good luck again

There's a thought, thanks!

[spicoli024]

Alright guys and girls, for those of you who voted, "yes", you're correct. I got word today the car is totaled so I am willing to throw up parts for sale for those of you who may be interested. MODS ARE NOT FOR SALE! PM or post up what you want and your price and I will take the part off. Buyers are responsible for shipping. Part goes to highest bidder unless previous agreements have already been made. I am in zip 77019. Use this to determine your own shipping costs. Thanks for the interest. If you have any questions regarding the condition of certain parts or whether or not it is available, feel free to PM me. I will not have the car much longer as insurance will claim it by the end of the week so act fast.

[TLud]

Glad that you're not getting stuck with the old car, Kyle. Now, hopefully, you'll get a solid valuation from the adjuster. When do you think you'll get word on that front?

You probably haven't figured it out yet, but what direction do you think you might take in terms of a replacement?

[spicoli024]

Thanks. I should find out the valuation by the end of the day, but who knows with this company. I'm sure it will take longer.

As for the replacement, I have NO idea. I keep changing my mind. I thought I had narrowed it down to an '06 M3 ZCP or an '09 M3 6MT, but I recently threw an '08 RS4 into the mix. I'm so confused now.

[spicoli024]

Ok, so here's the deal:

I was offered $24,709.56 for my car. I had planned to buy my car back from this woman's insurance agency once they total it so I can part it out and resell it to a local guy here in Houston. However, I got off the phone with her company and apparently they will not sell it back to me unless I have a "buying license" in the state of Texas, whatever the fvck that means. Do you think it is a good idea to talk with my insurance agency and see if they can fight to get me more money for the lost car or should I leave them out of it completely? Either way they will eventually find out I was in an accident because her insurance company will have to contact mine.