06 750li totaled out buy the insurance company. .....what would you do?

I ran thru a flooded street and the water wasn't even high and the car stalled out. I got a call from the insurance company and I have 2 options 1. I can take the $19,500 and the insurance keeps the car or I can take $11,500 and keep the car and try and get the engine fix. What's the best thing to do if it were you? All input welcome

Where is the car? Did you hydro-lock the cylinders? In that case you would need probably to pull the cylinders ad hopefully just replace the HG... If you are lucky you might have shorted out a bunch of the engine bay electronics... Might be a cheap fix.. Check the car
Out... If the water reached half way up the engine.. It's probably totaled, you should see residue line...

This is a hard one. If it were I, I would take the $11500 an possibly either look into what it would cost to repair the car or part it out. In your case you can WIN WIN Big either way I see it. If you part it out there are many people here looking for facelift parts good luck.

really? RUN AWAY!

u are actually thinking about buying back a flooded 750 for $8000?

i bet u are gonna need about another $5000 to get it running. and then u will have a salvaged flooded 750 for $13,000. NOT WORTH IT, in my opinion.

they have enough problems without any water in the electronics, i can only imagine what u gonna need to replace to get it running again.

lol no resell value.... electronics problems in future... I say take the money...no fix

Originally Posted by Seven11

really? RUN AWAY!

u are actually thinking about buying back a flooded 750 for $8000?

i bet u are gonna need about another $5000 to get it running. and then u will have a salvaged flooded 750 for $13,000. NOT WORTH IT, in my opinion.

they have enough problems without any water in the electronics, i can only imagine what u gonna need to replace to get it running again.

Maybe you should reread his post... He said he drove through a flooded street not like the car was under water. Do you think the damage was bad enough to ruin everything?

Bro this happen to me when my 745Li got totaled the insurance company did the same exact thing and it was the same amount but it isn't worth it man just let them keep it and walk out with the 20k cause with these cars when one thing goes wrong something happens and your going to end up with salvage title and you have to pay salvage fees that are 4k weather you keep it or give it up man which your going to lose out If you keep it your just going to end up with a headache bro my advice would be to give it up I know it's hard because we all love out 7 series but there's an other one waiting for you man good luck

Thx. I think I will just give it up. It's @ a shop in Lafayette, la. Idk why it stalled out because the water wasn't high. The air filters were soaked and the oil had water in it. The shop that checked it out said it needed another motor. I just hate getting another one and having to change parts and to get it right. Plus I had a blk/blk 750li sport witch will be hard to find @ the right price. I may look into a 6 series

Originally Posted by deiontroy

Thx. I think I will just give it up. It's @ a shop in Lafayette, la. Idk why it stalled out because the water wasn't high. The air filters were soaked and the oil had water in it. The shop that checked it out said it needed another motor. I just hate getting another one and having to change parts and to get it right. Plus I had a blk/blk 750li sport witch will be hard to find @ the right price. I may look into a 6 series

I dont know what part of Houston you are from, but if you live here then it will be best to get it to a BMW specialist. Also if the car is totalled out by the insurance company then I would buy it back but in the restoring project I will not put nothing back stock. you have the perfect opportunity to turn it into a performance B7 cause the motor has worn parts and it will need to rebuild not replace so I would change the heads and the ECM along with other vital parts. If you want a turn key project Hennessey in Sealy is the best man for the job. but you can contact motorsports on Richmond they deal with BMW performance. BMW plus on the Southwest side of Houston they are a little expensive when it comes to parts.

I'd take the money and move on. Water in the oil? New motor? You might get yourself in too deep (see what I did there?) ..

to be honest water in oil is not bad, if you had a blown head gasket then the water came from your cooling jets. flooded mean the water came in thru the combustion chamber which kill the spark thats why the engine stalled. I racing we use water injection all the time. What happen to his came is basically the same thing just too much H2O and not wnough spark.
Just my 2 cents

Originally Posted by deiontroy

I ran thru a flooded street and the water wasn't even high and the car stalled out. I got a call from the insurance company and I have 2 options 1. I can take the $19,500 and the insurance keeps the car or I can take $11,500 and keep the car and try and get the engine fix. What's the best thing to do if it were you? All input welcome

How high was the water? Was it above the start of the side skirts? The bottom of the doors?

You can call up your insurance company and have your car towed to a mechanic and they can tell you how much stuff will need to be replaced/done to fix the issue.

Usually if the car stalls and you DON'T try to restart it, you can pull out the spark plugs and unplug the injection system and clear the cylinders of water, replace the oil and be on your way!

But if you tried to restart it could require a bit of work, but the benefit to it is that you can have the whole motor redone and avoid future repairs on the weephole, valve stem seals, etc.

The water came right under the bottom of the car. The insurance company sent it to a shop and that's what the shop recommended. I Will talk to the people from the shop tomorrow. I will also call mororsport on Richmond and get an idea of how much it would cost to rebuild the engine. But I think I will just let it go and start over.

your engine might be fine, if they drain the oil and do a leak test you will have a certain answer. Also some places do not upgrade motors they just like to replace because its a lot easier. A 6 series is not a bad car also.

Ok thx I will ask the shop what did they do and see. I've learned also that alot of shops don't really know about 7's. Yes replacement for some shops is the easiest thing to do. I will let everyone know the exact damage the shop says the water did.

Originally Posted by Rookie2008

Maybe you should reread his post... He said he drove through a flooded street not like the car was under water. Do you think the damage was bad enough to ruin everything?

i read his post, bro

and my advice to him was RUN AWAY!

there is nothing cool about a flooded 7 series with a salvage title.

i guarantee it will be nothing but non-stop problems and headaches.

he probably hydro-locked the motor and to pay $8k for a salvaged car that needs a new motor is a

Originally Posted by Seven11

i read his post, bro

and my advice to him was RUN AWAY!

there is nothing cool about a flooded 7 series with a salvage title.

i guarantee it will be nothing but non-stop problems and headaches.

he probably hydro-locked the motor and to pay $8k for a salvaged car that needs a new motor is a

True from a resale stand point I want nothing salvage but on the performance stand point it is what you have in the vehicle that counts.
For example: a salvage hayabusa for $1500.00 and after 2 year it was sold for $45000.00
Not chumping what you said 7eleven there are different aspects, at the end of the day we can talk about different avenues but its still up to the owner.

a couple years ago a builder and I was speaking on this very thing, getting a salvage 7 like this one and about a year with a bill of course and the result will be a 700+hp daily driver. The reason the salvage car is because it will not be a vehicle you are driving now and there will be a lot of R & D to be done, plus the up front cost will be low.

Originally Posted by Seven11

i read his post, bro

and my advice to him was RUN AWAY!

there is nothing cool about a flooded 7 series with a salvage title.

i guarantee it will be nothing but non-stop problems and headaches.

he probably hydro-locked the motor and to pay $8k for a salvaged car that needs a new motor is a

Originally Posted by Rookie2008

Maybe you should reread his post... He said he drove through a flooded street not like the car was under water. Do you think the damage was bad enough to ruin everything?

Lol... I was just picturing driving a 7 completely through a lake and looking at all the underwater life forms.

BigMarcus ~ EVO 4G LTE

Originally Posted by TXSTYLE

Lol... I was just picturing driving a 7 completely through a lake and looking at all the underwater life forms.

BigMarcus ~ EVO 4G LTE

LOL! In your own personal submarine..