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  #1  
Old 04-01-2013, 08:36 AM
ciborgman ciborgman is offline
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Help Advice need it, Car is total loss

Don't I suppose the get retail values when they are replacing my car? They want to give me 19k for it.
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Old 04-01-2013, 08:48 AM
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Quote:
Originally Posted by ciborgman View Post
Don't I suppose the get retail values when they are replacing my car? They want to give me 19k for it.

Doubtless the result of your distress, above post is incoherent.

So, let me guess: You speak of your insurance company. The amount they'll pay will be the amount they've agreed to pay - you will do well to read your policy.

Or, if the loss is the fault of another party, they will have to pay fair market value for the damages. If totaled, well, there you are. The good news is: You can sue!
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Old 04-01-2013, 08:56 AM
ciborgman ciborgman is offline
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Well, It was my fault. I hit the curb really bad and even if the car looks like is a minor repair, is too much money to repair it and they are going to total the car, my car has 72k miles and Everything works as expected, have the comfort access, cold weather package, sport package and premium package, BT, Sat radio, CD, Logic seven Stereo. is a 2007 335i coupe. I told the Guy that I need advice because I have never ben is a situation like this before, never have a claim against me at all. So should I look online for car similar to me which by the way they are not many with all the options and go from there?

Last edited by ciborgman; 04-01-2013 at 09:16 AM.
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Old 04-01-2013, 09:17 AM
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Quote:
Originally Posted by ciborgman View Post
Don't I suppose the get retail values when they are replacing my car? They want to give me 19k for it.
Quote:
Originally Posted by ciborgman View Post
Well, It was my fault. I hit the curb really bad and even if the car looks like is a minor repair, is too much money to repair it and they are going to total the car, my car has 72k miles and Everything works as expected, have the comfort access, cold weather package, sport package and premium package, BT, Sat radio, CD, Logic seven Stereo. is a 2007 335i coupe. I told the Guy that I need advice because I have never ben is a situation like this before, never have a claim against me at all. So should look online for car similar to me which by the way they are not many with all the options and go from there?
Sorry hear this. Regardless of whose fault the wreck was or whose insurance company is paying if they total the car you are due full retail market value for your car (plus tax, title, and license). You are not required to just accept on its face the insurance company's assessment that the car is totaled. If you prefer that the car be repaired you can make a case for that. How much is the repair estimate? What does the estimate show needs to be repaired? Do you have photos you can post?
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Old 04-01-2013, 09:26 AM
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Agreed. YOu don't have to accept the cost. Here is something that irks me. Today I buy a car at say 50k and say pay $1000/year in insurance. In three years from now, my car is worth 30k. My insurance is still 1000/year. How is the insurance cost hte same even though the car is 20,000 less. Then, if the car is totaled they want to give less.

Go onto various dealer sites that have comparable cars to yours, and show them what the cost is. Give them 3-5 examples. Kind of hard to dispute that.
Also, read your policy
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Old 04-01-2013, 09:35 AM
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Quote:
Originally Posted by ciborgman View Post
Well, It was my fault. I hit the curb really bad and even if the car looks like is a minor repair, is too much money to repair it and they are going to total the car, my car has 72k miles and Everything works as expected, have the comfort access, cold weather package, sport package and premium package, BT, Sat radio, CD, Logic seven Stereo. is a 2007 335i coupe. I told the Guy that I need advice because I have never ben is a situation like this before, never have a claim against me at all. So should I look online for car similar to me which by the way they are not many with all the options and go from there?
Take your medicine.
Courtesy of www.kbb.com


P.S. Sorry to hear about your misfortune.
P.S2. I wonder what has warranted the car being a total loss from a curb damage?
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Old 04-01-2013, 09:42 AM
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Quote:
Originally Posted by ciborgman View Post
Well, It was my fault. I hit the curb really bad and even if the car looks like is a minor repair, is too much money to repair it and they are going to total the car, my car has 72k miles and Everything works as expected, have the comfort access, cold weather package, sport package and premium package, BT, Sat radio, CD, Logic seven Stereo. is a 2007 335i coupe. I told the Guy that I need advice because I have never ben is a situation like this before, never have a claim against me at all. So should I look online for car similar to me which by the way they are not many with all the options and go from there?

This interests me - what do they list as damaged?
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Old 04-01-2013, 10:15 AM
ciborgman ciborgman is offline
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I have not received a list of the damage at all, the repair shop which is not even a BMW shop, told the insurance company after that the cost of the repairs was beyond the insurance company threshold and after that they declared it as a total loss, there this rain drain on the side of the road that is like a cutout shape, coming out of a road that split in a two way highway, I steered to the right and got distracted for a fraction of a second and I ended up hitting the road; I did not even had time to brake, the right from wheel is cracked and then back one is bend, apparently the front wheel pushed the pillar in the opposite direction and now the roof wrinkle, I can not find the right word, forgive me English is not my native tongue, I also told if they decide to go ahead with the repairs, then I will want them done a the BMW dealer. cosmetically only the right fender is missing, and the wheels, and of course the control arm and all the hardware associated need replacement. I had asked the show to send me a list of repairs.
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Old 04-01-2013, 10:24 AM
ciborgman ciborgman is offline
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=========== here is the list of parts and labor 11k??? no pictures yet ================

Vehicle: 2007 BMW 335I 2D CPE 6-3.0L-T BLACK
Line Oper Description Part Number Qty Extended Price $
Labor Paint

1 FENDER
2 Repl RT Fender (PLS) 41357168988 1 407.40 1.8 2.0
3 Add for Clear Coat 0.8
4 Add for Edging 0.5
5 Add for Clear Coat 0.1
6 Repl RT Fender slide #1 41317173593 1 2.02 Incl.
7 Repl RT Fender slide #2 41317173594 1 2.48 Incl.
8 Repl RT Front bracket 41317174887 1 2.48 Incl.
9 Repl RT Lower bracket 41317180344 1 12.03 Incl.
10 Repl RT Liner extension 51717154416 1 61.11 0.4
11 Repl RT Fender liner 51717154412 1 61.11 Incl.
12 Repl RT Lower deflector 51627136526 1 5.96 Incl.
13 Repl RT Rear extn 51717159190 1 42.03 Incl.
14 Repl RT Lower cover w/aero pkg 51718044550 1 50.40
15 Repl RT Apron assy 41147135610 1 759.43 s 9.5 1.5
16 Repl RT Upper rail 41217168980 1 197.05 s 6.5 1.2
17 Add for Clear Coat 0.2
18 Deduct for Overlap -2.5
19 Repl RT Panel support 41117135634 1 61.73 s 1.0 0.4
20 Add for Clear Coat 0.1
21 Repl RT Extension 41217145354 1 36.74 1.0 0.3
22 Add for Clear Coat 0.1
23 PILLARS, ROCKER & FLOOR
24 * Rpr RT Hinge pillar s 10.0 2.4
25 Overlap Major Non-Adj. Panel -0.2
26 # Rpr PULL TIME HINGE PILLAR 4.0
NOTE: ROOF IS BUCKLED NEED TO MAKE PULLS.
27 S01 R&I RT Rocker molding Incl.
28 Repl RT Rocker molding clip 07147122912 8 4.72
29 Repl RT Rocker molding pin 07147122913 8 4.80
30 Repl RT Rocker molding protector 51777155388 1 4.59
31 S01 R&I LT Rocker molding 0.8
32 ROOF
33 * S01 Rpr Roof panel w/sunroof 15.0 3.0
34 S01 Overlap Major Non-Adj. Panel -0.2
35 S01 Add for Clear Coat 0.6
36 Rpl sunroof 3.2
37 * R&I Sunroof frame Incl.
38 R&I RT Roof molding 0.5
39 R&I LT Roof molding 0.5
40 R&I Headliner w/sunroof beige 3.9
41 INSTRUMENT PANEL
42 R&I R&I instrument panel 5.7 M
43 CONSOLE
44 R&I R&I console assy 1.8
45 WINDSHIELD
46 R&I Windshield BMW w/o climate comfort
3.0
47 Repl Washer reservoir w/o M3 w/lamp washer
61677157145 1 51.60 0.6
48 Repl Filler cap 61667264145 1 4.12
49 Repl Filler pipe 61667135409 1 35.90
50 Repl Level sensor 17137553919 1 18.80
51 WHEELS
52 * S01 Repl LKQ RT/Front Wheel, alloy style 189 front +25%
36116768858 1 312.50 m 0.3
53 R&I LT/Front R&I wheel m 0.1
54 # Subl Wheel repair left front 1 137.50 X
55 # Repl ft tires HANKOOK VENTUS V12 EVO 92 225/40ZR18
2 190.00
56 # Repl RT REAR TIRE BF GOODRICH 255/35ZR18 G-FORCE SPORT
1 198.00
57 * S01 Repl LKQ RT/Rear Wheel, alloy style 189 rear +25%
36116768859 1 312.50 m 0.3
58 FRONT LAMPS
59 Repl RT Repeater lamp 63137253325 1 23.73 Incl.
60 R&I RT R&I headlamp assy 0.3
61 ELECTRICAL
62 # Repl Cover car for overspray 1 5.00 T 0.3
63 * Rpr Engine harness 3.0 liter w/turbo 2.0 M
64 # Repl Flex additive 1 6.00 T
65 R&I Battery 640 cca Douglas 0.6
66 * R&I Engine harness 3.0 liter w/turbo 2.0 M
67 Repl Control box 12907584146 1 102.44
68 Repl Fan 12907547141 1 148.05
69 BACK GLASS
70 R&I Back glass BMW 3.0
71 FRONT SUSPENSION
72 * S01 Repl LKQ RT Front cntl arm +25% 31126769798 1 625.00 m 1.0 M
73 S01 R&I R&I front suspension both sides m 4.0 M
74 STEERING GEAR & LINKAGE
75 # Subl Hazardous Waste Disposal 1 3.00 X
76 Repl RT Tie rod assy 32106765236 1 143.96 m 0.6 M
77 ENGINE
78 Repl R&I engine assy auto trans 1 m 15.5 M
79 FRONT BUMPER & GRILLE
80 S01 O/H bumper assy 3.4
81 ** S01 Repl RECOND Bumper cover 51117181308 1 403.00 Incl. 3.0
82 S01 Add for Clear Coat 1.2
83 Repl Tow eye cap 51117187956 1 18.16 Incl. 0.2
84 Add for Clear Coat 0.1
85 Repl RT Reflector 63147162314 1 20.57 Incl.
86 Repl Aim distance sensor 1 m 1.0 M
87 Repl Add for distance sens 1 m 0.4 M
88 SEATS & TRACKS
89 R&I RT R&I front seat 0.6
90 DOOR
91 R&I RT R&I door assy 1.1
92 # Subl Cover Car 1 3.00 X
93 # Repl Flex Additive 1 3.00 T
94 # Rpr Set Up and Measure 2.0
95 # Subl 4 Wheel Alignment 1 79.95 X
96 # S01 Repl RIVETS 1 100.00
97 # S01 Repl STRUCT GLUE 1 150.00
98 S01 Blnd RT Door shell 1.0
99 S01 R&I RT Belt w'strip 0.2
100 S01 R&I RT R&I mirror as an assy 0.3
101 * S01 R&I RT Handle, outside w/keyless 0.4
102 S01 R&I RT R&I trim panel 0.6
SUBTOTALS 4,811.86 106.7 18.3
NOTES
Estimate Notes: CARPARTS LKQ AMERICAN LATEMODEL
Prior Damage Notes: ROCK CHIPS ON HOOD
4/1/2013 12:15:17 PM 095086 Page 4

ESTIMATE TOTALS
Category Basis Rate Cost $
Parts 4,574.41
Parts Discount $ 2,283.41 -5.0 % -114.17
Body Labor (Est) 53.2 hrs @ $ 42.00 /hr 2,234.40
Body Labor (S01) 21.3 hrs @ $ 43.00 /hr 915.90
Paint Labor (Est) 9.7 hrs @ $ 42.00 /hr 407.40
Paint Labor (S01) 8.6 hrs @ $ 43.00 /hr 369.80
Mechanical Labor (Est) 27.2 hrs @ $ 80.00 /hr 2,176.00
Mechanical Labor (S01) 5.0 hrs @ $ 120.00 /hr 600.00
Paint Supplies 400.00
Miscellaneous 237.45
Subtotal 11,801.19
Sales Tax $ 4,874.24 @ 8.2500 % 402.12
Grand Total 12,203.31
Deductible 500.00
CUSTOMER PAY 500.00
INSURANCE PAY 11,703.31

Last edited by ciborgman; 04-09-2013 at 07:24 AM.
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Old 04-01-2013, 10:30 AM
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That's only 63% of their estimate of the fair value of the car.
What is the TX regulation on salvage titling of the vehicle?
At what percentage point (repair cost vs estimated value of the car) your insurance company decides it is a total loss?
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Old 04-01-2013, 10:35 AM
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That looks like the total list of parts to build a brand new car...

Still, I would tell the insurance company that it's not possible to buy a replacement car at that cost - deductible of 500. Submit to them multiple price areas. Find a suitable replacement and tell them the price. They can't just make up figures, and to be honest they may be pricing out KBB 3 series, not KBB 335
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Old 04-01-2013, 10:37 AM
ciborgman ciborgman is offline
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I am not really sure, how the law works here. Honestly I think my insurance company sucks, I have all state no one called me before to tell me about the collision, I called two Saturdays ago to do the claim and that was it, I have been dealing with the repair shop, until today they had not contacted me at all. the guy first said a number then I told about all the other options that my car has; that they did not priced, like the BT, SAT, Comfort access, BMW Assist and who know what else is not there. is there a place I can go and see all the options the car have when new using the VIN number?
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Old 04-01-2013, 10:45 AM
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Old 04-01-2013, 12:06 PM
ciborgman ciborgman is offline
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Originally Posted by furby076 View Post
That looks like the total list of parts to build a brand new car...

Still, I would tell the insurance company that it's not possible to buy a replacement car at that cost - deductible of 500. Submit to them multiple price areas. Find a suitable replacement and tell them the price. They can't just make up figures, and to be honest they may be pricing out KBB 3 series, not KBB 335
they are not even using KBB or nada or Edmunds, some company they hired to values the cost of replacement
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Old 04-01-2013, 12:30 PM
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they are not even using KBB or nada or Edmunds, some company they hired to values the cost of replacement
Go to the CPO area of www.bmwusa.com and look up similar cars in your area for sale at BMW dealers. Also, look on www.autotrader.com and www.cars.com to find similar cars in your area that are currently for sale at dealerships. Use these values to determine the current market value of your car.
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Old 04-01-2013, 12:55 PM
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Go to the CPO area of www.bmwusa.com and look up similar cars in your area for sale at BMW dealers. Also, look on www.autotrader.com and www.cars.com to find similar cars in your area that are currently for sale at dealerships. Use these values to determine the current market value of your car.
I don't think you will see a lot of 2007 CPO cars on the dealer lots, they are in their last leg of CPO coverage as far as the model year is concerned.
The estimate states that the roof buckled, how hard/bad was the hit?
I think there is not much more to squeeze from the initial estimate, you could try to have them up the estate by $2K, and that would be a miracle.
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Old 04-01-2013, 12:55 PM
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I heard back form the insurance company they are offering 20,311 plus taxes
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Old 04-01-2013, 01:18 PM
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Find out market value from edmunds, kbb, nada and see how that compares to the 20311 plus taxes
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Old 04-01-2013, 07:06 PM
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=========== here is the list of parts and labor 11k??? no pictures yet ================

They took great care to note pre-existing rock chips on the hood. Very amusing.

Man-o-man, you must've hit that puppy HARD! Roof doesn't often buckle....

My opinion, with apologies: Yer Screwed!
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Old 04-01-2013, 08:10 PM
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They took great care to note pre-existing rock chips on the hood. Very amusing.

Man-o-man, you must've hit that puppy HARD! Roof doesn't often buckle....

My opinion, with apologies: Yer Screwed!
Yeah, either that or your body shop is attempting to take your insurance company for a wilder ride than your initial rendezvous with the curb.
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Old 04-02-2013, 05:42 AM
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=========== here is the list of parts and labor 11k??? no pictures yet ================

First of all, edit out your personal information from the estimate.
Most of the higher repair cost it seems is from the labor charges - a lot of R&I items (remove and install).
Do you have pictures of the damage?
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Old 04-02-2013, 06:22 AM
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They took great care to note pre-existing rock chips on the hood. Very amusing.

Man-o-man, you must've hit that puppy HARD! Roof doesn't often buckle....

My opinion, with apologies: Yer Screwed!
Seems kind of hard to tell what is pre-existing rock chips. Plus, it serves against them to note that as they can't charge to repair it. Finally, what are they going to do, paint the car and avoid the area that was a pre-existing rock chip "hold on guys, avoid that 1 MM diameter circle that is shaped like a chip"

Insurance company tried to do something similar to me on my accident. They said there was some pre-existing road damage (chips, people bumping into my bumper when parking causing paint crack, age of the bumper). They were using that as an argument to not fix the larger, and very visible damage from the accident damage (1 foot wide). I told them they would fix that. They said they would fix it, but not fix the pre-existing items. I asked them to show me how they planned to do that without having a bumper that was mis-matched in color, especially since the body shop said that is impossible (try and match 4 year old paint that has been affected by wind, sun, rain, snow, salt, etc with brand new paint). Finally they relented and repainted the entire lower bumper which is what they were supposed to do.

Insurance companies can get ridiculous, and what the customer needs to do is come back with logical and tempered arguments, and then ask them to support their arguments.

Keep in mind, the price you pay for your car insurance NEVER goes down although the value of your car goes down. Paid $50,000 for your car today and $1000 insurance. In 4 years when your car is worth $25,000 do you think your insurance is less then $1000? Nope. Insurance companies love that.
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  #23  
Old 04-05-2013, 02:39 PM
ciborgman ciborgman is offline
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So I should just take what they are offering me, 20,311 and forget about it?
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  #24  
Old 04-05-2013, 02:47 PM
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tturedraider tturedraider is offline
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Originally Posted by ciborgman View Post
So I should just take what they are offering me, 20,311 and forget about it?
What has your research indicated to you is the current fair market value?
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Old 04-05-2013, 03:16 PM
alpinweiss alpinweiss is offline
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Originally Posted by ciborgman View Post
So I should just take what they are offering me, 20,311 and forget about it?
As recommended by RedRaider above, research the value. I took the information you gave and found the NADA value of your car to be about $18000 wholesale, and about $20800 full retail. This is not very different from the Kelly Blue Book values in a post above (lqaddict).

If you can demonstrate to the insurance company that your car is worth substantially more, they may listen. But IMO, they are fairly close to actual retail value on your car. Incidentally, all of the options on your car are nice to have, but most of them do not add value to it.

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Last edited by alpinweiss; 04-05-2013 at 03:20 PM.
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