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F10 / F11 (2011 - Current)
The new chapter in the highly successful story of the BMW 5 Series Sedan (F10) and wagon (F11)

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  #76  
Old 10-03-2012, 03:02 PM
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shawnsheridan shawnsheridan is offline
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Quote:
Originally Posted by Gilgorm View Post
It sounds like it will be totaled which will ultimately be good for you. The GAP insurance was a good move on your part. I bought mine outright so you can't buy GAP insurance and would have to take a depreciation hit.
However, to protect myself, I pay $85 a year for full replacement coverage if a totaled collision should occur; i.e. I get a new current model car for up to two years.
Once again, GL
Well worth $85 per year. I imagine you can do the same even if financed, with or without GAP, as GAP would still leave you well short of the replacement cost.
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  #77  
Old 10-03-2012, 03:34 PM
passer68 passer68 is offline
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Sorry to hear about your accident. Glad you're OK. In the end it did it's job which was to protect you and crumpling up like that absorbs lots of energy.

What do you think they do with the wheels if they total it? I'm looking for a set of used rims to use for my winter tires. Was that front driver side wheel hit?
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  #78  
Old 10-03-2012, 03:35 PM
Sophisto Sophisto is online now
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Take good notice of the advice given by some posters about your own health.
Get a very thorough physical check and put a specialist on claiming any loss of your own well being.
I was once hammered in the back and did not claim any personal harm on the other driver.
That was a mistake, I have neck problems since that impact, but I only got aware after a couple of weeks.
Do get a medical chek, it will not harm and will probably get you a different financial settlement.

Incident effects will be noticable on your body and mind that is for sure, blame the other party by using a proffesional and let them settle.
You did not just looose your dream car, that is gone, but you will as well experience other negative effects.
It is not your insurer who has to pay, it is the insurer of the other party in the accident.
Or am I mistaken and do you have any blame yourself for the tboning?

Last edited by Sophisto; 10-03-2012 at 04:10 PM.
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  #79  
Old 10-03-2012, 03:44 PM
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quackbury quackbury is offline
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In 1982 I was at a full stop, waiting to make a left turn, and was rear-ended by a distracted driver going 40 mph - he never even saw me, let alone touched the brakes. My Audi Coupe was totaled. Because I was a young stud, I did not get checked out. 30 years later I still get intermittent neck and arm pain from the effects of the whiplash.

Get a THOROUGH exam. Pay attention to anything out of the ordinary. Consider consulting a personal injury lawyer. The mere fact you have on "on your team" will put you in a much stronger negotiating position.
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  #80  
Old 10-03-2012, 03:49 PM
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shawnsheridan shawnsheridan is offline
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Originally Posted by passer68 View Post
Sorry to hear about your accident. Glad you're OK. In the end it did it's job which was to protect you and crumpling up like that absorbs lots of energy.

What do you think they do with the wheels if they total it? I'm looking for a set of used rims to use for my winter tires. Was that front driver side wheel hit?
Vulture!
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  #81  
Old 10-03-2012, 03:49 PM
Sophisto Sophisto is online now
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Quote:
Originally Posted by quackbury View Post
In 1982 I was at a full stop, waiting to make a left turn, and was rear-ended by a distracted driver going 40 mph - he never even saw me, let alone touched the brakes. My Audi Coupe was totaled. Because I was a young stud, I did not get checked out. 30 years later I still get intermittent neck and arm pain from the effects of the whiplash.

Get a THOROUGH exam. Pay attention to anything out of the ordinary. Consider consulting a personal injury lawyer. The mere fact you have on "on your team" will put you in a much stronger negotiating position.
That is just it, you are young and think no problem what so ever....
The car will be replaced, but get all the personal help you can get for sure.
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  #82  
Old 10-03-2012, 04:00 PM
NoI4plz NoI4plz is offline
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Any accident you can walk away from is amazing. Hope everything is great health wise dreamcar. I too would note any difficulties you have and bring it up with your pc physican. Not cause you want to hire a personal injury attorney or something, but Caz of your health, cars are designed to take massive forces , you on the other Hand are not, so get checked out. From there go with the advice of everyone here.

In regards to your vehicle, as long it's totaled, I think your gonna be good. I hope everything works out, and the only bad thing to take away from this incident are the memories of the incident.

-i4
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  #83  
Old 10-03-2012, 04:17 PM
SuperTerp SuperTerp is online now
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I think the real question is why no lawsuits files against xpel sure didn't do it's job protecting from that.
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  #84  
Old 10-03-2012, 04:49 PM
passer68 passer68 is offline
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Originally Posted by shawnsheridan View Post
Vulture!
Ah, I prefer to call it recycling. Just trying to do my part in being green.
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  #85  
Old 10-03-2012, 05:15 PM
NoI4plz NoI4plz is offline
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Ah, I prefer to call it recycling. Just trying to do my part in being green.
Too soon
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  #86  
Old 10-03-2012, 05:59 PM
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DreamCar DreamCar is offline
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Originally Posted by Sophisto View Post
That is just it, you are young and think no problem what so ever....
The car will be replaced, but get all the personal help you can get for sure.

I didn't think much about the check up but looks like it is a mistake to ignore it...
i will be getting one this week...

again thanks for all your suggestions folks.
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  #87  
Old 10-03-2012, 06:02 PM
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Ah, I prefer to call it recycling. Just trying to do my part in being green.
well anyways i am not sure about the verdict yet but if it totaled then it is going to auction
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  #88  
Old 10-03-2012, 06:06 PM
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DreamCar DreamCar is offline
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Originally Posted by SuperTerp View Post
I think the real question is why no lawsuits files against xpel sure didn't do it's job protecting from that.
Honestly speaking i am very impressed ... the xpel is still intact despite the damage... i had to rip it hard to show it to the appraiser unfortunately the 1600$ i spent on it doesnt count in the appraisal process
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  #89  
Old 10-03-2012, 06:18 PM
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Nison Nison is offline
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OMG, what a disaster! I'm glad you're ok.
i'm glad that you didn't do much upgrade on your car yet (big thanks to Dinan), as i put almost 20k of upgrade on my audi before I had to get rid of it.
at least you're fully covered and have the chance to walk away even.
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  #90  
Old 10-03-2012, 09:09 PM
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Stealth.Pilot Stealth.Pilot is offline
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Well i just got a call from the apraiser he is saying it will most likely be total loss.. still awaiting on the official confimration..

The sad thing is it is priced at 57K which is less than my finance (even though i bought it for a very low price because of the ED+Incentives etc:- ) i am really bumped that my car valued so less.
I sold my 2012 550 for 82.8% of MSRP. I would be happy to provide proof if that helps you with the sale. In fact I even had an offer at 84% of MSRP after i agreed a deal with the first buyer but decided to honor the original sales agreement.

That did include some aftermarket upgrades, but since your insurance evaluator refuses to acknowledge the value of upgrades, it's not pertinent to the use of the example as a price benchmark.
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Last edited by Stealth.Pilot; 10-03-2012 at 09:11 PM.
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  #91  
Old 10-04-2012, 01:44 AM
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Well I cannot contest it if the price of the car is increased then it is less likely to get totaled ... Either way its a hit.

Looks like they don't even have option to select all the options on the car like ceramic controls, Napa leather etc:-
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  #92  
Old 10-04-2012, 04:07 AM
SuperTerp SuperTerp is online now
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Looks like they don't even have option to select all the options on the car like ceramic controls, Napa leather etc:-
Still have sticker? I'd be shoving that in their face saying look at these extra options!
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  #93  
Old 10-04-2012, 04:56 AM
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DreamCar DreamCar is offline
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Still have sticker? I'd be shoving that in their face saying look at these extra options!
I dont have sticker since it is european delivered.

I can show bill of sale but it would hurt the cause.
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  #94  
Old 10-04-2012, 05:24 AM
Kar Don Kar Don is offline
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Originally Posted by Stealth.Pilot View Post
I sold my 2012 550 for 82.8% of MSRP. I would be happy to provide proof if that helps you with the sale. In fact I even had an offer at 84% of MSRP after i agreed a deal with the first buyer but decided to honor the original sales agreement.

That did include some aftermarket upgrades, but since your insurance evaluator refuses to acknowledge the value of upgrades, it's not pertinent to the use of the example as a price benchmark.
Wow you sold it for 83% of MSRP? You only paid about 88% of the MSRP, nice job.

To DreamCar, 49k in damage sounds like it will get totaled. I would argue that you could have avoided the accident if it weren't for the famous F10 8 speed trans acceleration delay

Good luck with the car.
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Last edited by Kar Don; 10-04-2012 at 05:27 AM.
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  #95  
Old 10-04-2012, 05:25 AM
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Originally Posted by Kar Don View Post
Wow you sold it for 83% of MSRP? You only paid about 88% of the MSRP, nice job.
x2 on this.
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  #96  
Old 10-04-2012, 05:41 AM
The X Men The X Men is online now
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Originally Posted by DreamCar View Post
I dont have sticker since it is european delivered.

I can show bill of sale but it would hurt the cause.
Most insurance company's first offer is a low one, they leave themself at least 10% negociation room, sometimes even 20%. Try to squeeze every dollar out of them. Good Luck.
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  #97  
Old 10-04-2012, 07:36 AM
milepig milepig is offline
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Originally Posted by DreamCar View Post
I dont have sticker since it is european delivered.
.
Odd - I also did ED and my car came with a sticker when redelivered - not attached to the window but in the glove box.

When you total up the bill you should add travel costs associated with the trip to Munchen to obtain your replacement ED!
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  #98  
Old 10-04-2012, 07:58 AM
bmguy bmguy is offline
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Originally Posted by GHOST PROTOCOL View Post
I am an attorney in NJ. The only analyis that I am familiar with for NJ motor vehicle property damage claims is cost of repair vs. value of the vehicle. If the repair cost is more than the actual value of the car, the car is totaled. If the value of the car is more than the repair cost, then the car is repaired. I have never heard on an insurance company in NJ engaging in an 80% analysis.
I'm sure the rules are different where I live, but the way I'm told a write off is determined here is based on salvage vaue of the car, and the repair costs. I'm not certain exactly how the formulas works, but they take into account how much money the car is worth after its written off, and consider that a reduction off the replace,net value...

So best I understand it
If the car is 100k to replace, but salvage value is 30k the repairs would have to exceed 70k to be written off. However the adjuster has some wiggle room to the write off.

I also found that all of these repair estimates seem to be optimistic as the law of averages also seems to apply and they find less hidden damage then they claim.

Hopefully you will find the information above useful when you have your discussions with the adjuster, as with all things this may not be how it works with your insurance or in yor stae, but maybe you can use that to help you have your adjuster find justification for the write off...

Good luck
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  #99  
Old 10-04-2012, 09:05 AM
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DreamCar DreamCar is offline
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I may have got a sticker if it got redelivered at a dealer or may be pcd guys forgot it.

I don't think I can claim Europe trip costs they didn't even consider the xpel and stuff

When I first talked about the European delivery they thought it is grey market car so I am not gonna win in that direction

Anyways the total loss dept called they working on the price.
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  #100  
Old 10-04-2012, 09:28 AM
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shawnsheridan shawnsheridan is offline
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Originally Posted by DreamCar View Post
I may have got a sticker if it got redelivered at a dealer or may be pcd guys forgot it.

I don't think I can claim Europe trip costs they didn't even consider the xpel and stuff

When I first talked about the European delivery they thought it is grey market car so I am not gonna win in that direction

Anyways the total loss dept called they working on the price.
DC, I understand you are walking a fine line between where if the car value goes up, the % of damage inversely goes down, which ultimately affects their decision as to whether they total it or repair it.

However, do know that you are fully entitled to be compensated for all value you added to the car, that can not be recovered (e.g. Tint, Xpel. etc.). Hell, if you had a set of PING i3's in the trunk that were destroyed as a result of the accident, they would also have to pay to replace them.

They have to make you whole. Whether you push for it or not of course is your decision.
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