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Go Back   Bimmerfest - BMW Forums > BMW Model Discussions > 5 Series > E39 (1997 - 2003)

E39 (1997 - 2003)
The BMW 5-Series (E39 chassis) was introduced in the United States as a 1997 model year car and lasted until the 2004 when the E60 chassis was released. The United States saw several variations including the 525i, 528i, 530i and 540i. -- View the E39 Wiki

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  #1  
Old 12-12-2013, 08:27 PM
525i Allan E39 525i Allan E39 is online now
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Mein Auto: 2002 BMW 525i
Disaster

So on black Friday this lady blind sided me. She "didn't see me" with my flashing lights and my honking yet managed to turn into a parking lot from the middle Lane. I'm scared now because it's repairs might be more then what the insurance co. (Who shall be nameless but sounds like fate parm) Values it. Meaning. .... Total loss.
The insurance co. Wanted to use junk yard parts. Luckily i took it to a local BMW dealer. Which called me saying they can't do that. And will only use OEM parts which include
-Front Bumper
-Both left and right Fender
-Hood
-Right wheel
-Both sides Fender liner
-And Xenon headlight
-little pieces. ie: windshield washer and headlamp washers
Over all the estimated cost would to just under 6500.


Just the simple thought of this happening to our cars seems like a nightmare. On top of that the company seems like they really don't want topay it. Well over all it could have been much Much worse. And the most expensive thing to repkace as of now is my right head light. It's going to be brand new.
1,125.00

I just hate this whole thing. And honestly miss my car. I'll keep you guys posted on what the outcome of the insurance co. says.
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  #2  
Old 12-13-2013, 03:51 AM
scott740il scott740il is offline
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i hate the insurance companies.
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  #3  
Old 12-13-2013, 05:26 AM
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dtadrian dtadrian is offline
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Disaster

The insurance will total it out. Sorry but true


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  #4  
Old 12-13-2013, 06:04 AM
juststeve juststeve is offline
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A. The accident was not your fault.
B. You are entitled to a rental car.
C. You have the option of repair or a check for the totaled vehicle.
Since the car will likely be totaled; you have the option of like or similar replacement.
They will push to settle for the $6500 (or less) and make shopping for a replacement your problem.
I would start shopping for that replacement and submit those choices to her insurance company.
Remember, you are in no hurry because they are paying the rental car bill.
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  #5  
Old 12-13-2013, 06:05 AM
kutcht1 kutcht1 is offline
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At that cost I would fix it myself if the mechanicals (engine and tranny) of the car are still working great. Buy a parts car running or not for less than half that, possibly in same color and get to work. Then part the rest of the car out and sell the remaining as scrap. I love it when these things happen as I have come out way ahead every time.
TomK
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Last edited by kutcht1; 12-13-2013 at 06:07 AM.
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  #6  
Old 12-13-2013, 06:19 AM
Svobodin Svobodin is offline
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That sounds like a hell of a lot of damage. did she keep ramming you repeatedly? Its dreadful tho, I'm in the middle of dealing with this woman who sheared off my bumper and then just ditched. I got her plates, and a police report, but her insurance company (the one represented by that lizard thing) won't pay because their client wasn't on the scene for the police report.....
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  #7  
Old 12-13-2013, 06:24 AM
525i Allan E39 525i Allan E39 is online now
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Re: Disaster

Quote:
Originally Posted by kutcht1 View Post
At that cost I would fix it myself if the mechanicals (engine and tranny) of the car are still working great. Buy a parts car running or not for less than half that, possibly in same color and get to work. Then part the rest of the car out and sell the remaining as scrap. I love it when these things happen as I have come out way ahead every time.
TomK


I'm thinking about paying for it. Why would I give it up so easily
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  #8  
Old 12-13-2013, 06:41 AM
JKRIT JKRIT is offline
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That's about the same damage that we had on our '01 325it a few years ago. Although we bought a replacement car, we also keep the totalled one. The body shop found an entire front body clip and put that on with excellent results. It's much cheaper than buying fenders, bumpers, headlamps, etc. All the mechanicals remained in tact.
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  #9  
Old 12-13-2013, 03:20 PM
Nfs021 Nfs021 is offline
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Re: Disaster

Quote:
Originally Posted by Svobodin View Post
That sounds like a hell of a lot of damage. did she keep ramming you repeatedly? Its dreadful tho, I'm in the middle of dealing with this woman who sheared off my bumper and then just ditched. I got her plates, and a police report, but her insurance company (the one represented by that lizard thing) won't pay because their client wasn't on the scene for the police report.....
Uhh I believe that's called "hit and run" and technically she should be arrested.

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  #10  
Old 12-13-2013, 03:37 PM
joelselman joelselman is online now
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If they total it, you won't be reimbursed for a rental car beyond the date of settlement. What's wrong with used parts in good condition? That will lower the bill and may allow you to have the car repaired. I had major front damage on a one year old Dodge which was repaired with a few used parts (incl bumper) and came out just fine including a lifetime guarantee on the work performed.
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  #11  
Old 12-13-2013, 04:00 PM
525i Allan E39 525i Allan E39 is online now
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Re: Disaster

She just kept going after the impact. And the force busted my lamp amd ripped through my right fender
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  #12  
Old 12-13-2013, 04:57 PM
Svobodin Svobodin is offline
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Quote:
Originally Posted by Nfs021 View Post
Uhh I believe that's called "hit and run" and technically she should be arrested.

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Yeah, yeah, oh well. I now I have to take her to court and all those fun shenanigans.


GL dude with the car, if they do total it, couldn't you just buy it back and then fix it? Not ideal, but at least you're not losing your car.
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  #13  
Old 12-13-2013, 05:00 PM
525i Allan E39 525i Allan E39 is online now
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Re: Disaster

Good news. They will pay for 6000 I just have to pay for 500. Or lose my car.

I'll pay that ****
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  #14  
Old 12-13-2013, 05:04 PM
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hh3uunp hh3uunp is offline
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Allan you can negotiate with them. Is the car in your driveway or does the insurance company have it? Find the most expensive e39s on autotrader and print out the adds to prove your car is worth more. Fight fight fight.

PS I got $12,500 for my 540i that I had bought a year before for $8,200.
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  #15  
Old 12-13-2013, 05:33 PM
Nfs021 Nfs021 is offline
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Re: Disaster

Quote:
Originally Posted by hh3uunp View Post
Allan you can negotiate with them. Is the car in your driveway or does the insurance company have it? Find the most expensive e39s on autotrader and print out the adds to prove your car is worth more. Fight fight fight.

PS I got $12,500 for my 540i that I had bought a year before for $8,200.
How many miles did it have on it though??

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  #16  
Old 12-13-2013, 05:45 PM
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hh3uunp hh3uunp is offline
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Originally Posted by nfs021 View Post
how many miles did it have on it though??

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109,000 for my 540i before that I had a 2001 525i with 260,000 miles and got $7,800 for it.
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Last edited by hh3uunp; 12-13-2013 at 06:18 PM.
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  #17  
Old 12-13-2013, 05:48 PM
Nfs021 Nfs021 is offline
What Speed Limit?
Location: Oregon, USA
 
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Mein Auto: 2002 540i
Re: Disaster

Quote:
Originally Posted by hh3uunp View Post
109,000 my previous car was a 2001 525i with 260,000 miles and got $7,800 for it.
Wow, I'll be sure to keep that in mind if mine gets totalled, though I hope it never does (knocks on wood trim)
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  #18  
Old 12-14-2013, 05:49 PM
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dtadrian dtadrian is offline
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Mein Auto: 1999 BMW 528i T Wagon
Disaster

Quote:
Originally Posted by 525i Allan E39 View Post
Good news. They will pay for 6000 I just have to pay for 500. Or lose my car.

I'll pay that ****
If the accident is not your fault , then you should not pay a damn penny. Do not let insurance companies bend you over and rape you. Also, In the state of Florida you can also claim for depreciation because now your vehicle is branded with an accident even if they do not salvage or rebuild your title and you will get less money on trade in or personal sale because the accident will show up on records.
Ou may also want to drop that on the adjuster. He will counter you on totaling your car to scare you. If so try to get the most money from Them.


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  #19  
Old 12-14-2013, 08:03 PM
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kevbot13 kevbot13 is offline
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Re: Disaster

I also feel like you're settling waaay too easily. It wasn't your fault AT ALL, why should you pay for anything? You already pay a monthly premium for your insurance. a little work, a little research, and some cajones will get you through this situation as successfully as possible. Good luck.

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  #20  
Old 12-15-2013, 04:58 AM
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Fudman Fudman is offline
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I would take the $6K, find an alternative repair shop, install the new Hella, buy a used wheel, install used fenders and hood and put the difference towards a matching set of new tires. Why should new sheet metal matter? Once it's painted, it makes no difference. As long as there is no rust, you are good to go. It's suspension I would worry about. If the impact was enough to damage a wheel, the force may have damaged the suspension which is less visible.
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