May be a total loss

951's 330i · 09-01-2009, 11:07 PM

Ok as some of you may know my car recently went over a flatbed hitch or something of the sort(look up old post). Well just got a call from the adjuster today and she said depending on on her report that she will be turning in, they will either fix it or consider my car a total loss

Im really praying that it isnt.

Reason is they are going to most likely have to change the motor as well. But there not sure yet.

Question though, if they do consider it a loss, and only give me what its worth, will they go by kbb or how much it is going for? Also can i take some of the things i bought off? Such as my CSL's and CF M3 hood?

This blows big cojones

Sorry for the rant

Rando · 09-01-2009, 11:26 PM

I don't know much about the back story, but I think a total loss is far preferable to a car with major repair work done up by a dealership...

951's 330i · 09-01-2009, 11:29 PM

Quote:

Originally Posted by Rando

I don't know much about the back story, but I think a total loss is far preferable to a car with major repair work done up by a dealership...

http://www.e90post.com/forums/showthread.php?t=293632

Heres the link to what happened. Thanks for the input

Aurora Bearialis · 09-01-2009, 11:34 PM

Quote:

Originally Posted by 951's 330i

http://www.e90post.com/forums/showthread.php?t=293632

Heres the link to what happened. Thanks for the input

WHAT?!?! How can that not be fixed? I thought you were in an accident or something...

crazed792 · 09-01-2009, 11:35 PM

I remember the story. I'm amazed at the level of damage. Anyway, in a past car (not BMW), KBB was around 7k, I couldn't get 6 when I tried to sell it, and the person who hit it had their insurance pay out around 9500. Not quite sure why it appraised so high but I didn't question it. My guess is that it's because the guy was caught driving drunk, so they wanted to avoid a lawsuit. I didn't have anything aftermarket on the car though to pull off other than taillights, which they let me pull since I put the stocks back on. I don't see why they wouldn't let you switch back to stock parts, unless they valued your car higher for aftermarket stuff on it (which should value lower, not higher, so it's unlikely).

Personally I agree with Rando about driving around in a car that's been wrecked. Sometimes it really does drive the same again, sometimes not, but it seems people have more problems with a vehicle after a wreck most times.

Perfectus · 09-01-2009, 11:44 PM

I hope it gets totaled for you. you will not be happy if it gets fixed, small little things will sound wierd, be uneven, etc.

951's 330i · 09-01-2009, 11:52 PM

Quote:

Originally Posted by crazed792

I remember the story. I'm amazed at the level of damage. Anyway, in a past car (not BMW), KBB was around 7k, I couldn't get 6 when I tried to sell it, and the person who hit it had their insurance pay out around 9500. Not quite sure why it appraised so high but I didn't question it. My guess is that it's because the guy was caught driving drunk, so they wanted to avoid a lawsuit. I didn't have anything aftermarket on the car though to pull off other than taillights, which they let me pull since I put the stocks back on. I don't see why they wouldn't let you switch back to stock parts, unless they valued your car higher for aftermarket stuff on it (which should value lower, not higher, so it's unlikely).

Personally I agree with Rando about driving around in a car that's been wrecked. Sometimes it really does drive the same again, sometimes not, but it seems people have more problems with a vehicle after a wreck most times.

You know what i never really thought about future problems. Maybe it would be better. But its going to suck. First car as my Grad present and all the money put into it.

Thanks though

Quote:

Originally Posted by Aurora Bearialis

WHAT?!?! How can that not be fixed? I thought you were in an accident or something...

Was suppose to be fixed but since the engine might of got F'd since all the oil ran out, might be better to just give me what its worth according to them

951's 330i · 09-01-2009, 11:55 PM

Quote:

Originally Posted by Perfectus

I hope it gets totaled for you. you will not be happy if it gets fixed, small little things will sound wierd, be uneven, etc.

As bad as that part sounds lol i know what you mean. Thanks

charliemack · 09-02-2009, 12:48 AM

This makes me scared I just got the estimate for my car that was hit by the 18 wheeler. I'm hoping it won't be too bad since it's mainly cosmetics. I'm really curious what your estimate to repair comes out to be. Makes me wonder where they draw the line for totaling or repair

And on another note did you ever get that screen for your laptop fixed?

Gig103 · 09-02-2009, 01:32 AM

Start making copies of receipts for your mods. Otherwise if they total it they'll go by OEM value only. It might be a fight, but honestly I think it's better than having a rebuilt car. I trust the BMW robots more than a shop guy.

If you can find a car in the interim, I'd say go for European Delivery, it's the best!

Spydeputy · 09-02-2009, 05:10 AM

if the repair is OVER 75% of the value of the car then it's totaled

rc'Z · 09-02-2009, 05:12 AM

Quote:

Originally Posted by Gig103

Start making copies of receipts for your mods. Otherwise if they total it they'll go by OEM value only. It might be a fight, but honestly I think it's better than having a rebuilt car. I trust the BMW robots more than a shop guy.

If you can find a car in the interim, I'd say go for European Delivery, it's the best!

Pay attention to the 'receipts for your mods'.

Spydeputy · 09-02-2009, 05:38 AM

that's a great idea, keep us in the loop.

Smokey · 09-02-2009, 05:40 AM

You might also want to check the NADA value of your car-- sometimes, it's actually higher than kbb by a $1000 or more. The link to nada is below. Good luck.

http://www.nada.com/

Potty_Pants · 09-02-2009, 05:45 AM

WOW,

I remeber the past thread, all this over a tie down for a semi

I guess the block was cracked or damaged which would require a replacement.
I cant see it being a total... but whatever.

Good luck man and keep us posted !

ppp

p.s. my wife totaled the hyundai and the insurance (allstate) was very generous with the payout = no problems

rambalu80 · 09-02-2009, 08:06 AM

I had my 2006 Acura TSX totaled back in March 2007 and they wouldn't give me a penny over the NADA guide value. KBB was about 2 grand more than NADA guide and I pleaded my case but they said they couldn't find a similar car (w/ 6MT) in the area, so they couldn't assess the actual going rate of the car and the only option was to go by the NADA guide value.

maswastage · 09-02-2009, 08:26 AM

I totaled a G35 coupe when I was younger; insurance gave me 38K, and although I don't remember how much it's rated value was, I do remember that I was thinking about asking 30K for it. So as far as I remember, my insurance was actually quite generous.

In this case, you should compare how much the insurance is offering you to how much it would cost to repair. In my opinion, it's always better to get the new car over a patched up one, even if it comes out to be a little more expensive.

windshear · 09-02-2009, 08:33 AM

If it is not totalled, there is diminished value to consider. I was hit two years ago by a red light runner in a new IS350. Nearly totalled my car. Was offered 3k for diminished value. I had it appraised and he said closer to 9k in diminished value. Went to a 3rd party umpire and he sided with my appraiser. Research it via google. Each state is different.

951's 330i · 09-02-2009, 10:10 AM

Well she will be calling today to notify on what they say. Im not sure what to hope for anymore, all i know if its totaled, im getting my parts regardless. Ill just switch them to my aunts 325 and put on her parts.

darkphantom · 09-02-2009, 03:09 PM

Quote:

Originally Posted by Spydeputy

if the repair is OVER 75% of the value of the car then it's totaled

I thought if the frame is damaged or if it exceeds 50% of the value, it is totaled....I could be wrong though...

gqmd · 09-02-2009, 03:17 PM

Quote:

Originally Posted by crazed792

I remember the story. I'm amazed at the level of damage. Anyway, in a past car (not BMW), KBB was around 7k, I couldn't get 6 when I tried to sell it, and the person who hit it had their insurance pay out around 9500. Not quite sure why it appraised so high but I didn't question it.

You usually will get the Retail Price for the car, not trade-in or private party.

gqmd · 09-02-2009, 03:18 PM

I am a bit suprised they would call that a total loss. The body you described seems untouched. The drivetrain parts can't cost that much to call it a total loss.

09-01-2009, 11:07 PM	#1
951's 330i Lieutenant Colonel 92 Rep 1,813 Posts Drives: E90 330i, 95 RB-S14 Join Date: Oct 2007 Location: 951 Corona SoCal iTrader: (3)	May be a total loss Ok as some of you may know my car recently went over a flatbed hitch or something of the sort(look up old post). Well just got a call from the adjuster today and she said depending on on her report that she will be turning in, they will either fix it or consider my car a total loss Im really praying that it isnt. Reason is they are going to most likely have to change the motor as well. But there not sure yet. Question though, if they do consider it a loss, and only give me what its worth, will they go by kbb or how much it is going for? Also can i take some of the things i bought off? Such as my CSL's and CF M3 hood? This blows big cojones Sorry for the rant __________________ 2006 E90-Running like brand new again. Take that insurance company 95 S14-Sold 95 S14 Rb25det-Vrom Shhh
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09-01-2009, 11:26 PM	#2
Rando Lieutenant 52 Rep 487 Posts Drives: BMW Join Date: Mar 2007 Location: CA iTrader: (0)	I don't know much about the back story, but I think a total loss is far preferable to a car with major repair work done up by a dealership...
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09-01-2009, 11:35 PM	#5
crazed792 Captain 16 Rep 616 Posts Drives: 2007 328i Join Date: Jul 2009 Location: SL,UT iTrader: (2) Garage List 2007 328i [0.00]	I remember the story. I'm amazed at the level of damage. Anyway, in a past car (not BMW), KBB was around 7k, I couldn't get 6 when I tried to sell it, and the person who hit it had their insurance pay out around 9500. Not quite sure why it appraised so high but I didn't question it. My guess is that it's because the guy was caught driving drunk, so they wanted to avoid a lawsuit. I didn't have anything aftermarket on the car though to pull off other than taillights, which they let me pull since I put the stocks back on. I don't see why they wouldn't let you switch back to stock parts, unless they valued your car higher for aftermarket stuff on it (which should value lower, not higher, so it's unlikely). Personally I agree with Rando about driving around in a car that's been wrecked. Sometimes it really does drive the same again, sometimes not, but it seems people have more problems with a vehicle after a wreck most times. __________________
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09-01-2009, 11:44 PM	#6
Perfectus Major 35 Rep 1,252 Posts Drives: e92 335i/F10 528XI Join Date: Jun 2009 Location: NOVA/MD iTrader: (10)	I hope it gets totaled for you. you will not be happy if it gets fixed, small little things will sound wierd, be uneven, etc. __________________ 2012 528XI Saphire Black Stock for now 2007 e92 335i - Monaco Blue Injen DCI w/ Cyba Scoop - M-Tech Rear - ///M3 Rear Lip Spoiler - ///M5 SMG Shift Knob & iDrive Knob - BMW Performance Hand Brake - BMWCCA Member
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09-02-2009, 12:48 AM	#9
charliemack New Member 0 Rep 25 Posts Drives: 2007 328i Join Date: Mar 2009 Location: Texas iTrader: (0) Garage List 2007 328i [0.00]	This makes me scared I just got the estimate for my car that was hit by the 18 wheeler. I'm hoping it won't be too bad since it's mainly cosmetics. I'm really curious what your estimate to repair comes out to be. Makes me wonder where they draw the line for totaling or repair And on another note did you ever get that screen for your laptop fixed?
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09-02-2009, 01:32 AM	#10
Gig103 Major 70 Rep 1,324 Posts Drives: 2014 Tesla P85D Join Date: Aug 2007 Location: Gilbert, AZ iTrader: (1)	Start making copies of receipts for your mods. Otherwise if they total it they'll go by OEM value only. It might be a fight, but honestly I think it's better than having a rebuilt car. I trust the BMW robots more than a shop guy. If you can find a car in the interim, I'd say go for European Delivery, it's the best! __________________ Was: 2008 335xi sedan 6MT Black Sapphire Metallic Is: 2014 Tesla P85D (Blue Metallic) Wife's: 2013 Infiniti G37 S sedan 6MT, Black
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09-02-2009, 05:10 AM	#11
Spydeputy Brigadier General 205 Rep 3,523 Posts Drives: 2015 F23 M235i/2008,E90,335xi Join Date: Aug 2008 Location: The County, Maryland iTrader: (19) Garage List 2017 X5 M Sport Pac ... [0.00] 2015 M235i, F23 [0.00]	if the repair is OVER 75% of the value of the car then it's totaled
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09-02-2009, 05:38 AM	#13
Spydeputy Brigadier General 205 Rep 3,523 Posts Drives: 2015 F23 M235i/2008,E90,335xi Join Date: Aug 2008 Location: The County, Maryland iTrader: (19) Garage List 2017 X5 M Sport Pac ... [0.00] 2015 M235i, F23 [0.00]	that's a great idea, keep us in the loop.
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09-02-2009, 05:40 AM	#14
Smokey Lucky Lefty 45 Rep 746 Posts Drives: on twisty roads Join Date: Aug 2007 Location: * iTrader: (0) Garage List 2019 BMW M2 Comp [0.00] 2017 Porsche Macan GTS [8.00] 2011 M3 [10.00] 2013 bmw F25 msport [10.00] 2011 335iS [9.60]	You might also want to check the NADA value of your car-- sometimes, it's actually higher than kbb by a $1000 or more. The link to nada is below. Good luck. http://www.nada.com/ __________________ The Power of M
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09-02-2009, 05:45 AM	#15
Potty_Pants Colonel 66 Rep 2,189 Posts Drives: 2012 Genesis Sedan Rspec Join Date: Apr 2007 Location: Southern NJ iTrader: (0)	WOW, I remeber the past thread, all this over a tie down for a semi I guess the block was cracked or damaged which would require a replacement. I cant see it being a total... but whatever. Good luck man and keep us posted ! ppp p.s. my wife totaled the hyundai and the insurance (allstate) was very generous with the payout = no problems __________________ Olds Starfire > Chevy Malibu > Isuzu I-mark RS & Honda Magna 500 > Grand Am GT & YSR50 > Nissan Maxima & Ninja 750 > X-Wife > Hyundai Excel > Honda Prelude > Honda Accord > Honda Prelude & Ninja 250> Infiniti G35 > E90 335i > Hyundai Genesis Rspec, Hyunadai Sonata > Kia Sorento > Honda CRV-EX
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09-02-2009, 08:06 AM	#16
rambalu80 Major 78 Rep 1,241 Posts Drives: 2016 BMW 340i Join Date: Apr 2007 Location: Katy TX iTrader: (2) Garage List 2016 BMW 340i [0.00]	I had my 2006 Acura TSX totaled back in March 2007 and they wouldn't give me a penny over the NADA guide value. KBB was about 2 grand more than NADA guide and I pleaded my case but they said they couldn't find a similar car (w/ 6MT) in the area, so they couldn't assess the actual going rate of the car and the only option was to go by the NADA guide value.
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09-02-2009, 08:26 AM	#17
maswastage Resident Diesel Junkie 56 Rep 1,070 Posts Drives: 2010 AW 335d Join Date: Aug 2009 Location: Maryland iTrader: (0)	I totaled a G35 coupe when I was younger; insurance gave me 38K, and although I don't remember how much it's rated value was, I do remember that I was thinking about asking 30K for it. So as far as I remember, my insurance was actually quite generous. In this case, you should compare how much the insurance is offering you to how much it would cost to repair. In my opinion, it's always better to get the new car over a patched up one, even if it comes out to be a little more expensive.
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09-02-2009, 08:33 AM	#18
windshear Private 0 Rep 90 Posts Drives: 335i coupe, 6MT Join Date: Mar 2008 Location: ATL iTrader: (1)	If it is not totalled, there is diminished value to consider. I was hit two years ago by a red light runner in a new IS350. Nearly totalled my car. Was offered 3k for diminished value. I had it appraised and he said closer to 9k in diminished value. Went to a 3rd party umpire and he sided with my appraiser. Research it via google. Each state is different.
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09-02-2009, 10:10 AM	#19
951's 330i Lieutenant Colonel 92 Rep 1,813 Posts Drives: E90 330i, 95 RB-S14 Join Date: Oct 2007 Location: 951 Corona SoCal iTrader: (3)	Well she will be calling today to notify on what they say. Im not sure what to hope for anymore, all i know if its totaled, im getting my parts regardless. Ill just switch them to my aunts 325 and put on her parts. __________________ 2006 E90-Running like brand new again. Take that insurance company 95 S14-Sold 95 S14 Rb25det-Vrom Shhh
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09-02-2009, 03:18 PM	#22
gqmd Chemo Doc 9 Rep 470 Posts Drives: e92 335i 6MT Join Date: Jun 2006 Location: Maryland/DC iTrader: (0)	I am a bit suprised they would call that a total loss. The body you described seems untouched. The drivetrain parts can't cost that much to call it a total loss. __________________ jet black 335i, 6MT manual, black interior with silver aluminum trim, PP, SP.
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