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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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  #26  
Old 10-02-2012, 12:52 PM
Gilgorm Gilgorm is offline
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Glad you are A-OK.
My retired E60 was hit pretty bad and spun into traffice to the point that the entire drivers side had some damage as well as both bunpers. BUT the hit was just light enough to not cause the airbags to go off and there was no frame damage. There was extensive damage to the rear suspension. The car was two years old at the time (2010) and damage was $14,125 and took two weeks to repair. When I traded the E60 this July for my F10, the loss of value was estimated at $6,000-$8,000.
In my case the car was repaired by a BMW approved auto body (not dealer) and was flawless. The car was absolutely perfect. Paint was perfect and it drove exactly as it had before with no squeaks or rattles. The auto body was packed with BMWs and MBs and even an Aston Martin. I was allowed to visit anytime and took lots of pics along the way.
The thing that surprised me the most was that my wife and I were totally unaffected by the crash which occured at 65 mph. It looks like the F10 is just as safe.

GL
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  #27  
Old 10-02-2012, 12:57 PM
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Originally Posted by DreamCar View Post
thanks for all the kind words guys...

It seems damage is to the entire left side of the body .. right now the appraiser is estimating the damage as 49K ... If they decide to fix it then i will be royally screwed
They will total it then.
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  #28  
Old 10-02-2012, 12:58 PM
solstice solstice is offline
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Originally Posted by DreamCar View Post
thanks for all the kind words guys...

It seems damage is to the entire left side of the body .. right now the appraiser is estimating the damage as 49K ... If they decide to fix it then i will be royally screwed
At 49k it doesn't make sense to repair. But insurance companies are not always sensible, let's hope your's is. Keep us posted.
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  #29  
Old 10-02-2012, 01:32 PM
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Remember that the insurance adjuster will tailor the first offer based on their assessment of how willing you will be to settle.

Not suggesting you start saber rattling but being firm and expecting to be made whole will work to your advantage. The first offer shouldn't be the best and final.
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  #30  
Old 10-02-2012, 01:40 PM
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well he didn't confirm anything yet ... he said the superficial damage is around 20K and there will be open items that may come up once they take things a part for another 19K

Last edited by DreamCar; 10-02-2012 at 01:42 PM.
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  #31  
Old 10-02-2012, 02:02 PM
solstice solstice is offline
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well he didn't confirm anything yet ... he said the superficial damage is around 20K and there will be open items that may come up once they take things a part for another 19K
That's $39k. Borderline.
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  #32  
Old 10-02-2012, 02:20 PM
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Stealth.Pilot Stealth.Pilot is offline
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Quote:
Originally Posted by DreamCar View Post
thanks for all the kind words guys...

It seems damage is to the entire left side of the body .. right now the appraiser is estimating the damage as 49K ... If they decide to fix it then i will be royally screwed
I'm glad you are okay.

I think that will probably be totalled. If repair>80% of value then they tend to total it.

Let's say your car is worth 65k, then the insurance company needs to recover more than 16k from the salvage vehicle to break even. I reckon they could get 20k for that wrecked car.
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  #33  
Old 10-02-2012, 02:26 PM
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Yikes!! Glad you're okay....
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  #34  
Old 10-02-2012, 02:26 PM
skohler skohler is offline
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Wow - so is it 39k or 49k? I would think that would be totalled either way, especially since there is bound to be more cost uncovered as it is fixed. Any idea what the book value would be for the car?
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  #35  
Old 10-02-2012, 02:31 PM
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AutoUnion AutoUnion is offline
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OP, glad to hear that you were not harmed. BMW makes a safe car and all the countless hours of engineering shows in situations like this.

A quick chat with my local Geico appraiser a couple months ago, he said that they usually total out cars that have been t-boned, even if they fall under the "total threshold," mostly because of future liabilities.

That being said, if they DON'T total it out, take it to the best shop in your area.
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  #36  
Old 10-02-2012, 02:32 PM
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Originally Posted by Stealth.Pilot View Post
I'm glad you are okay.

I think that will probably be totalled. If repair>80% of value then they tend to total it.

Let's say your car is worth 65k, then the insurance company needs to recover more than 16k from the salvage vehicle to break even. I reckon they could get 20k for that wrecked car.
I hate to say it but i really hope it will be totaled.
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  #37  
Old 10-02-2012, 02:32 PM
fplanner2000 fplanner2000 is offline
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Glad you are OK. I think you should push to total it. I had a 3 car t-boned a number of years ago and no matter what they did, the car felt loose and unstable on wet roads and snow. It wasn't the tires, it was the suspension/axle, etc.

The last thing you now need is the hassle of getting your car repaired to YOUR standards, which are not necessarily those of your insurance company. It is a path I would never again go down if I had any sort of a choice at all. Be forewarned.....
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Last edited by fplanner2000; 10-02-2012 at 02:34 PM.
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  #38  
Old 10-02-2012, 02:33 PM
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Originally Posted by skohler View Post
Wow - so is it 39k or 49k? I would think that would be totalled either way, especially since there is bound to be more cost uncovered as it is fixed. Any idea what the book value would be for the car?
even i am waiting on that confirmation the appraiser doesn't have prices for some parts yet
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  #39  
Old 10-02-2012, 02:35 PM
Sophisto Sophisto is offline
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Good thing you are okay, I would suggest to trade in the car, totalled or not.
After such an impact the needed repairs will not give you the car you owned before the accident.

Last edited by Sophisto; 10-02-2012 at 02:38 PM.
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  #40  
Old 10-02-2012, 02:36 PM
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DreamCar DreamCar is offline
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Originally Posted by AutoUnion View Post
OP, glad to hear that you were not harmed. BMW makes a safe car and all the countless hours of engineering shows in situations like this.

A quick chat with my local Geico appraiser a couple months ago, he said that they usually total out cars that have been t-boned, even if they fall under the "total threshold," mostly because of future liabilities.

That being said, if they DON'T total it out, take it to the best shop in your area.
I was a pretty bad hit ... entire body frame moved in... I wouldn't be more safer in any other car
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  #41  
Old 10-02-2012, 02:38 PM
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DreamCar DreamCar is offline
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Originally Posted by fplanner2000 View Post
Glad you are OK. I think you should push to total it. I had a 3 car t-boned a number of years ago and no matter what they did, the car felt loose and unstable on wet roads and snow. It wasn't the tires, it was the suspension/axle, etc.

The last thing you now need is the hassle of getting your car repaired to YOUR standards, which are not necessarily those of your insurance company. It is a path I would never again go down if I had any sort of a choice at all. Be forewarned.....
thats what i am afraid ..no matter how good is the shop is, they cannot fix it to the original condition...

Last edited by DreamCar; 10-02-2012 at 02:41 PM.
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  #42  
Old 10-02-2012, 02:43 PM
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So what are you going to get now?
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  #43  
Old 10-02-2012, 02:47 PM
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Dream,

I'm sorry to hear the bad news, but I'm glad you are okay. I did a little homework for you and NADA shows your car is worth $55-60k (depending mileage and options).
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  #44  
Old 10-02-2012, 02:47 PM
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GHOST PROTOCOL GHOST PROTOCOL is online now
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Automobile insurance policies in NJ generally do not cover "deminished value" claims. Rather, the standard policy language usually states that the liability carrier will pay either the ACV (acutal cash value of vehicle) or the cost to repair, whichever is less. The standard policy language does not provide for an additional payment for the loss of the car's value as a result of being damaged. You might be able to sue the individual who hit you for it, but the insurance carrier is not responsible for the payment. (It is not easy to collect a judgment for damages not covered by an insurance policy.) Given the substantial damage depicted in the pictures, I would push for a total loss. I do not think that you would want that vehicle back after the repair. You need to get your body shop involved to obtain an opinion on the real total cost for the repair. It might be in your interest to have the dealership's body shop do this because an independent body shop (that does not sell cars as part of its business) has no incentive to convince the carrier to total the car. Finally, looks like you were in a bad accident and the driver's side where you were sitting took the brunt of the impact. Even though you think that you are o.k., I would get checked out by a doctor as a precautionary measure. Good luck and I am glad that everything seems to be o.k.
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  #45  
Old 10-02-2012, 02:48 PM
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Originally Posted by Stealth.Pilot View Post
So what are you going to get now?
Honestly Speaking i am pretty shaked up as it is my first time getting in to accident .... i am back to my Accord i will be staying there for some time.... All i am worried abt right now is to get it totaled.
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  #46  
Old 10-02-2012, 02:57 PM
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DreamCar DreamCar is offline
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Originally Posted by dunderhi View Post
Dream,

I'm sorry to hear the bad news, but I'm glad you are okay. I did a little homework for you and NADA shows your car is worth $55-60k (depending mileage and options).
fingers crossed i have to wait till tomorrow. appreciate the help
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  #47  
Old 10-02-2012, 03:02 PM
docloc docloc is offline
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I had my wifes 328 repaired at BMW body shop in Allentown PA, excellent work if you need a place.
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  #48  
Old 10-02-2012, 03:04 PM
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Originally Posted by GHOST PROTOCOL View Post
Automobile insurance policies in NJ generally do not cover "deminished value" claims. Rather, the standard policy language usually states that the liability carrier will pay either the ACV (acutal cash value of vehicle) or the cost to repair, whichever is less. The standard policy language does not provide for an additional payment for the loss of the car's value as a result of being damaged. You might be able to sue the individual who hit you for it, but the insurance carrier is not responsible for the payment. (It is not easy to collect a judgment for damages not covered by an insurance policy.) Given the substantial damage depicted in the pictures, I would push for a total loss. I do not think that you would want that vehicle back after the repair. You need to get your body shop involved to obtain an opinion on the real total cost for the repair. It might be in your interest to have the dealership's body shop do this because an independent body shop (that does not sell cars as part of its business) has no incentive to convince the carrier to total the car. Finally, looks like you were in a bad accident and the driver's side where you were sitting took the brunt of the impact. Even though you think that you are o.k., I would get checked out by a doctor as a precautionary measure. Good luck and I am glad that everything seems to be o.k.
Thanks for the info and heads up.
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  #49  
Old 10-02-2012, 03:59 PM
The X Men The X Men is offline
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Dreamcar, Do you have the option to take the cash if they dont total the car? Either way, I would sell that car, it will never be the same. Glad you are ok, its only a car, it can be replace.
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  #50  
Old 10-02-2012, 04:09 PM
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Not sure about the options yet... waiting for their call
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