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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 02-23-2014, 11:51 AM
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bayoucity bayoucity is offline
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Originally Posted by rauan View Post
Thank you for advice! I called them right after it happened. My insurance company gave me a claim number and I guess I can go online and add my laptop and iPad as damaged items, right? One thing I forgot to do is to ask the person who hit me his insurance details, but police was there and they gave me a piece of paper complaint number.
Just FYI, those 2 items are not part of OEM accessories. You can file claims for those if only you aren't at fault. Otherwise, you will have to file in under your homeowner or renter policy because those are considered personal contents.
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  #27  
Old 02-23-2014, 11:56 AM
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@OP

Based on the photo, it appears to be multi-cars accidents. Assuming you are not running lights and going straight, the vehicle that rear-ended your F10 shall be liable for the damages done to your vehicle.

Does that Dodge has insurance? If so, you shall contact his insurer and file claim assuming Dodge driver is at-fault. It is totaled more than likely due to impact on the frames, I-beam & the fact that you have a 2011 F10 which has a lower market value vs. estimated repair.
Yes it was multi car accident and it was obvious for all of us (including police) that Dodge driver was liable for damages. He has insurance and I think he even mentioned what it was, but I was a bit shocked and forgot it.
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  #28  
Old 02-23-2014, 12:05 PM
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Yes it was multi car accident and it was obvious for all of us (including police) that Dodge driver was liable for damages. He has insurance and I think he even mentioned what it was, but I was a bit shocked and forgot it.
Assuming Dodge has TX plate and doesn't carry minimum state limit, you shall be fine in a totaled loss situation. The state minimum limit here is 30/60/25 & 25k is referring to Property Damage ( PD). If your F10 is deemed total loss, $25k might not be enough. That's when you also have to file with your own carrier for UM ( Uninsured /or Underinsured) claim. Please read your declaration page and make sure your policy currently have UM coverage.
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  #29  
Old 02-23-2014, 12:10 PM
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Anyway, you did the right thing by filing claim with your carrier under this scenario. The police report or crash report will take anywhere from 48 hrs to 15 days. I'll imagine the report get done much faster in West TX. Your insurance company will order those report base on the case # you have provided. Once the report is in, the liable party will be established.

All parties' insurance info will be on the final police report.
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  #30  
Old 02-23-2014, 12:11 PM
rauan rauan is offline
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It looks like a total loss to me. I wouldn't hire a lawyer until you need one. If the car is totalled, you'll just need to find comparable cars with similar options and mileage for sale (and without any accident history) to present to the insurance company. If the insurance company isn't reasonable, then get a lawyer. Good luck and keep us posted.
As I said I couldn't find a car with the same or close options, but I found very close estimate in Edmunds. Is Edmunds estimator something they would accept? It gives 3 numbers: dealer retails cost, private sale and trade-in. I guess I should go with dealer retail, right?
I attached what I got in Edmunds here. Any comments?
Attached Files
File Type: pdf 2011 BMW 5 Series Sedan 535i What Your Car is Worth.pdf (451.6 KB, 37 views)
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  #31  
Old 02-23-2014, 12:29 PM
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bayoucity bayoucity is offline
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^ Each carrier has its own guideline when dealing with total loss. Some use TPA & other use propriety software to determine the current market value. Edmunds is nice reference point. Please don't be surprise if the total loss amount is within +/- $,$$$ of Edmunds. There are a lot of factors going into final amount such as zip code, milage, conditions, prior history, options and so on.
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  #32  
Old 02-25-2014, 07:31 AM
rauan rauan is offline
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I am still waiting on police report to populate on Midland Police website. Nothing so far is reported for my complaint report

Does anyone experienced this? I have the same results when I enter info in all three fields or just one of them, and even if I try any previous date it tells search returned with 0 results.
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  #33  
Old 02-25-2014, 08:10 AM
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Try calling the PD. It may takes longer to show up if there are backlogs of cases.
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  #34  
Old 02-25-2014, 02:28 PM
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Here is my update. I got information from police report, webpage was finally uploaded. The problem now is that liable person had insurance that covers only up to $25000. Taking into account three car accident this amount will be spread between two cars: mine and the one that was in front of me when it happened.
I called my insurance and now they are taking my car from Midland to Abilene to make estimates of damage.


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  #35  
Old 02-25-2014, 03:02 PM
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I'm sorry to hear that. It sucks. I sort of worry that might be the case :"The state minimum limit here is 30/60/25 & 25k is referring to Property Damage ( PD). If your F10 is deemed total loss, $25k might not be enough. "

Do you have Underinsured coverage on your current policy?
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  #36  
Old 02-25-2014, 03:25 PM
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Glad you are OK. I don't think it's totaled, but I do think there's more than $25K in damages. It will be interesting to see how this plays out.

As regards your car, the good news/bad news is that this entire process will happen to you. You don't need to search for comps or calculate values. The insurance company will determine your car's value and they will determine whether it is totaled - according to % of value formulas they must use and not according to someone's opinion.

Assuming it isn't totaled, you can take it anywhere you want to be fixed. The worst place to take it is probably the place the insurance company suggests, and I hope I don't have to explain why. BMW has certified collision repair shops; I would move it to one of those if you can.

Best luck.
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  #37  
Old 02-25-2014, 03:51 PM
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Originally Posted by bayoucity View Post
Do you have Underinsured coverage on your current policy?
I think so, because my insurance company said they will pay for remaining cost of damage after they inspect the car.

Quote:
Originally Posted by WJGreer View Post
Glad you are OK. I don't think it's totaled, but I do think there's more than $25K in damages. It will be interesting to see how this plays out.

As regards your car, the good news/bad news is that this entire process will happen to you. You don't need to search for comps or calculate values. The insurance company will determine your car's value and they will determine whether it is totaled - according to % of value formulas they must use and not according to someone's opinion.

Assuming it isn't totaled, you can take it anywhere you want to be fixed. The worst place to take it is probably the place the insurance company suggests, and I hope I don't have to explain why. BMW has certified collision repair shops; I would move it to one of those if you can.

Best luck.
Thank you for advice! I was told by liable insurance adjuster that it is most likely total loss. He thinks even if it is not it is going to be a lot more than $25K.

Let's say my insurance pays me for damage or total loss. Will they later get this money from the person who was responsible for collision? Does it affect my insurance history?
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Last edited by rauan; 02-25-2014 at 03:55 PM.
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  #38  
Old 02-25-2014, 05:30 PM
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....

Let's say my insurance pays me for damage or total loss. Will they later get this money from the person who was responsible for collision? Does it affect my insurance history?
Yes, your insurance carrier has subrogation unit which will deal with Dodge's driver. It shall not affect your premium due to non at-fault claim.

I'm glad that you are okay.
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  #39  
Old 02-26-2014, 10:59 AM
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We have ridiculously low minimum insurance requirements here in South Carolina too. My agent always includes Under-Insured Motorist Coverage. You might look to see if you have that coverage to ease your mind. Anyone who doesn't have it and lives in a low minimum insurance state might consider getting it. It's about $120 per year per car.
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  #40  
Old 02-26-2014, 11:05 AM
grover432 grover432 is offline
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I think so, because my insurance company said they will pay for remaining cost of damage after they inspect the car.



Thank you for advice! I was told by liable insurance adjuster that it is most likely total loss. He thinks even if it is not it is going to be a lot more than $25K.

Let's say my insurance pays me for damage or total loss. Will they later get this money from the person who was responsible for collision? Does it affect my insurance history?
In my jurisdiction, I might be held liable for the damages to the car I rear ended after being hit. Why? If it is determined that I wasn't stopped with enough space between me and the car in front of me, I was following too closely. Of course, if you were at a stop and a car length behind the car in front of you, I doubt you would have any liability (for which your insurer would have to pay out).

I'm not sure how your auto insurance works, but in Ontario Canada, insurance is 'no fault" which means the parties don't argue over who is at fault and each company pays for their own insured's damages. In Alberta, Canada, the offending driver's insurance company pays for the victims losses.

Sometimes the mere act of reporting a claim to your insurance company (even if it isn't your fault) generates a "rating" as it takes time and money to adjust the claim and the same to sue the other driver. Your questions are all very good ones, but I think the best person to answer them is your adjuster.
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  #41  
Old 02-26-2014, 12:05 PM
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I spoke to both insurance companies. My insurance doesn't cover rental because I didn't have it in my policy and doesn't want to pay for my personal laptop and ipad because they say they are covering just a damage or total loss. Insurance of the person who hit me says they may not be able to cover rental and my personal things because of $25K limit.
What can I do with it? Is it right time to look for an attorney?


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  #42  
Old 02-26-2014, 01:30 PM
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I spoke to both insurance companies. My insurance doesn't cover rental because I didn't have it in my policy and doesn't want to pay for my personal laptop and ipad because they say they are covering just a damage or total loss. Insurance of the person who hit me says they may not be able to cover rental and my personal things because of $25K limit.
What can I do with it? Is it right time to look for an attorney?


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It could be, BUT what you are going to be looking at is suing the at fault driver personally. It won't get you any money up front. If the driver has very little in the way of personal assets it may not get you much of anything.
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  #43  
Old 02-28-2014, 01:04 PM
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The car was moved to Abilene, TX to Copart yard and I was told that as soon as inspection is done I will get notified about damage estimations.
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  #44  
Old 03-03-2014, 02:35 PM
rauan rauan is offline
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I just got a confirmation that it is a total loss. Now waiting on what they say on value of the car.
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  #45  
Old 03-03-2014, 02:48 PM
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^ I won't be surprise with total loss decision because the carrier is pitting repair cost vs. current market value of 2011 535i.
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  #46  
Old 03-03-2014, 03:28 PM
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I just got a confirmation that it is a total loss. Now waiting on what they say on value of the car.
Sorry to hear your car is a total loss! But in reality you're better off having the insurance total the car out.

Keep us updated and good luck, hope you get the most value out of the car as possible. Looks like you will be car shopping if you haven't already started.
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  #47  
Old 03-03-2014, 03:53 PM
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Sorry to hear your car is a total loss! But in reality you're better off having the insurance total the car out.



Keep us updated and good luck, hope you get the most value out of the car as possible. Looks like you will be car shopping if you haven't already started.

Once I get the numbers from my insurance I will hopefully make an order for F15.


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  #48  
Old 03-04-2014, 09:10 AM
rauan rauan is offline
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I got a call from my insurance and their compensation estimation was $36000. That included everything!
I am shocked, based on calculations I did online I had $44000 from KKB, $51000 from Edmunds and other sources gave me in between.
I told them I am not taking it and person talking to me said they will check it with options added.

What can I do if they come up with something like $39K or $42K for total compensation (Car Value, rental, tag, taxes adn etc)? Can I push further back? Can I get help from an attorney or somewhere esle?
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  #49  
Old 03-04-2014, 09:58 AM
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WillInDenver WillInDenver is online now
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Originally Posted by rauan View Post
I got a call from my insurance and their compensation estimation was $36000. That included everything!
I am shocked, based on calculations I did online I had $44000 from KKB, $51000 from Edmunds and other sources gave me in between.
I told them I am not taking it and person talking to me said they will check it with options added.

What can I do if they come up with something like $39K or $42K for total compensation (Car Value, rental, tag, taxes adn etc)? Can I push further back? Can I get help from an attorney or somewhere esle?
They use comparable sales in your area rather than book values. The best you can do is challenge that their comps aren't comparable, like in a real estate appraisal.

I suppose as a last resort you could litigate. The insurance companies' legal resources are vastly superior to yours and you would quickly spend away any advantage you may gain in that process, and then start to go in the hole. I don't recommend that approach.
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  #50  
Old 03-04-2014, 10:22 AM
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Originally Posted by rauan View Post
I got a call from my insurance and their compensation estimation was $36000. That included everything!
I am shocked, based on calculations I did online I had $44000 from KKB, $51000 from Edmunds and other sources gave me in between.
I told them I am not taking it and person talking to me said they will check it with options added.

What can I do if they come up with something like $39K or $42K for total compensation (Car Value, rental, tag, taxes adn etc)? Can I push further back? Can I get help from an attorney or somewhere esle?
Dispute the valuation and see if they will come up. Personally, I always finance my cars and put nothing down while buying gap insurance to hedge against things like this happening. My last car to be totalled was a 135 coupe and it came back much lower than what I thought it was worth. I did not care since it was 100 percent financed and I had BMW's gap insurance. Good luck and next time pay the 500-800 for gap insurance....it is worth it.
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