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E36/7 Z3 (1996-2002)
E36/7 Z3 Roadster, Z3 coupe, Z3 M Roadster and Z3 M Coupe talk with our gurus here.

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  #1  
Old 04-01-2014, 08:47 AM
Beemo1991 Beemo1991 is offline
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Repair estimate please

I was a victim of a hit and run. My car was hit and now it in need in some extensive body work. Fortunately, I have full coverage. I have reported the claim and am waiting on an adjuster to give me an estimate. I need a new hood, a new right headlight, the bumper has been pushed into my tire so its grinding if I try to drive. My passenger side front wheel well liner is also damaged. This also damaged the side panel slightly and knocked my mirror off my windshield. I think my deductible is $500.00. Based on this information and the attached picture, do you guys have a ballpark estimate on how much this is going to come out to? Thanks guys in advance for your help
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Last edited by Beemo1991; 04-01-2014 at 08:50 AM.
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  #2  
Old 04-01-2014, 09:13 AM
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There could be more damage than you see. The estimate may be high enough to make the insurance company offer you the value of the car, rather than the amount needed to repair it.
http://usedcars.about.com/od/usedcar...eTitleLaws.htm
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  #3  
Old 04-01-2014, 09:15 AM
Beemo1991 Beemo1991 is offline
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If they do that will they keep the car?
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  #4  
Old 04-01-2014, 09:44 AM
dougmcintyre dougmcintyre is offline
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Yes and there will be more damage than you can see.. You may be able to buy the car back, depends on the company. But if the car has been totaled, usually it is cheaper to just buy another car than to repair the damaged one.
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  #5  
Old 04-01-2014, 09:55 AM
Beemo1991 Beemo1991 is offline
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Can I opt to have it repaired or do I have to trade it in if they deem it totaled?
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  #6  
Old 04-01-2014, 12:08 PM
khammack khammack is offline
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Usually, if the insurance company says it is totaled, the car goes to the junk yard and you get paid what the insurance company thinks it is worth. Sometimes you can buy it back from the insurance company, but as was previously said this is usually not financially advisable unless you can do the work to fix it up yourself.
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  #7  
Old 04-01-2014, 12:33 PM
Beemo1991 Beemo1991 is offline
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Based on the picture would you consider it totaled? The two people that looked at the car said there is no way it's totaled
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  #8  
Old 04-01-2014, 12:44 PM
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One cannot tell how much damage has been done from a picture. If they were estimators who said it was not totaled, then what they said is probably true. Whether a car is a total loss depends on the cost of repair in relation to the value of the car.
For example, I had an 17-year old car that was rear ended. The estimate equaled the value, in a state where an estimate that was 70% of the value required the car to be totaled. The car was bought new and still pristine so I wanted to keep it.
I surrendered my plate and title to the state DMV who gave me a Salvage title. Based on that, the insurance company sent me a check for the estimate. I repaired the car, had the state DMV inspect the receipts and the car, and they gave me a Rebuilt title and a plate.

Last edited by vintage42; 04-01-2014 at 12:56 PM.
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  #9  
Old 04-01-2014, 02:44 PM
dougmcintyre dougmcintyre is offline
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Did those two guys have any experience with bodywork?

Bodywork is expensive. My GTI had a minor scrape on the rear bumper. The repair bill was right under $2,000. Fortunately the repair was covered by the other guy's insurance.

A 14 year old car with extensive body damage and other damage still to be discovered, I wouldn't be hopeful.
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  #10  
Old 04-01-2014, 07:11 PM
marty505 marty505 is offline
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I'd guess around $5K for the repair. The hood is over $1K by itself. Add in the various bits and pieces and you're up to $2500. Paint. labor and profit gets near $5k in a hurry. The rest is between you and the insurance co. They will probably put the value at around $7500.
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  #11  
Old 04-02-2014, 04:53 AM
wrench13 wrench13 is offline
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I've had pretty much the same damage 2x on my roadster. First time, I did the work, but not paint. Total was around 3500, and I never got the radiator support banged out enough to make all the body panel gaps look right. Second time some one hit me, a bit worse then yours, but the other guys insurance paid for the repairs. It was 6800. Granted they used only BMW replacements, and I managed to have some older damage included in the fix, but the estimates here of 3500 are probably not far off. Costs mount up quickly, hood is like 1100, and must be painted, headlights are around 750 each ( for BMW ), plus you say you have door damage and side mirror damage. And that's not considering labor, and you get what you pay for, like anything else. You can sometimes pick up parts here and on other Z3 boards cheap. For instance, I have two bumper supports I never used, I'd donate them to the cause, if you need them. Good luck.
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  #12  
Old 04-02-2014, 07:11 PM
Beemo1991 Beemo1991 is offline
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The estimate came to $4,200. He wrote me for a new hood, new emblem, new bumper and bumper reinforcement panel. Also the new headlights that swivel. I also need a radiator bracket or something because my radiator was being compressed.
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  #13  
Old 04-03-2014, 04:47 AM
SounderMN SounderMN is offline
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New headlights that swivel? I want those! Anyone know about them? I'm assuming you mean self aiming HID, right?
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  #14  
Old 04-03-2014, 06:42 PM
Beemo1991 Beemo1991 is offline
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Yeah, the smart hid lights
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  #15  
Old 04-04-2014, 04:51 AM
dougmcintyre dougmcintyre is offline
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OK, I spend way too much time reading BMW forums. But I've never heard of a non-Z3 BMW headlights drop fitting into a Z3.

Yes, people have taken good Z3 headlights, opened them up, and fitted HIDs. But this is expensive and not a process for the faint of heart. I just can't believe the insurance company will cover the cost of a new Z3 headlight plus the the cost of HID conversion.

Beemo1991, what part number did the adjustor provide? At a minimum, I would have this double checked by a BMW shop.

Personally, before accepting the insurance company's settlement, I would have the car taken to the best body shop in the area and have another estimate done. And I understand the car is not driveable and I'd have to cover the towing charge.

Last edited by dougmcintyre; 04-04-2014 at 05:34 AM.
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  #16  
Old 04-04-2014, 06:33 AM
SounderMN SounderMN is offline
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I was thinking the same thing. Don't the headlights connect to the steering somehow? This would seem like an extremely difficult retrofit.
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  #17  
Old 04-04-2014, 07:52 AM
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Quote:
Originally Posted by Beemo1991 View Post
The estimate came to $4,200. He wrote me for a new hood, new emblem, new bumper and bumper reinforcement panel. Also the new headlights that swivel. I also need a radiator bracket or something because my radiator was being compressed.
An estimate should come from a body shop. What you got sounds like an offer from the insurance adjustor to settle for his estimate.

You should get an estimate from the best body shop you can find and ask the insurance company to accept it. Otherwise you may find the $4,200 will be less than the estimate from the best body shop, and you will have to use a cheaper shop or make up the difference.

A very good insurance company will know the best body shop in your area and might even have a relationship with it, and will pay their estimate.

Last edited by vintage42; 04-04-2014 at 07:54 AM.
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