10-03-2022, 10:29 AM | #45 | |
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10-03-2022, 10:31 AM | #46 | |
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Currently driving 2016 F10 M5 & 2017 G11 730d.
Note: Taxes on vehicles in Ireland are bananas! Previously 2019 G05 X5 M50D, 2016 F36 430d, 2012 F10 520d, 2006 E60 M5, 2005 E60 530D |
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10-03-2022, 10:33 AM | #47 |
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if the neighbor can pay out of pocket, let him. So you can avoid Carfax.
Some food for thought for some of you, even if you get a quote at a dealership for body repair (as in give them your vin) your car will be reported to CF. one of my clients learned this the hard way. Not sure if all BMW bodyshops do this, but the one across the street from me does. He fixed the car with me, but still ended up with a bad CF. |
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10-03-2022, 10:33 AM | #48 |
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http://collisionsafetyconsultants.com
They can direct you to a shop to get you diminished value claim. Plus you need to have the ceramic and PPF redone! |
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10-03-2022, 10:34 AM | #49 |
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Don't fall into the trap of your neighbor offering to fix it out of pocket. He will change his mind once he sees some estimates and hears you want some extra money for diminished value. Trust me you are wasting your time with him. Report the loss to your insurance company immediately and let them go after your neighbor, that's part of what you are paying them to do with your premiums.
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10-03-2022, 10:40 AM | #50 |
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A Diminished Value claim in the way to go, with legal representation. Insurance companies play dumb and will try everything possible to avoid a DV payout. It can be a painful process, but as mentioned in other posts there are companies that specialize in this business.
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10-03-2022, 10:40 AM | #51 | |
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If you turn it into your own insurance company it will be subject to your deductible and subrogation can take a very long time against the responsible parties insurer. Also you usually can not get diminished value from your own insurance company only the other parties. Lastly, who wants an insurance claim on their record even if subrogated will still show on your record as a not a fault loss paid. Trust me turn it in to the neighbors insurance company |
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10-03-2022, 10:44 AM | #52 | |
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10-03-2022, 10:45 AM | #53 |
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My C7 got backed into, in a drive thru. Yes, someone was trying to reverse out of getting coffee. They admitted fault, and I had a case number with their insurance company before we left the scene. I took it to a body shop that I found, myself, that had hundreds of 5 star reviews on Yelp.
They removed the bumper, and the front headlight clip was broken, and the headlight needed to be replaced. That was $3,500 retail pricing, of course. They "reworked" the bumper, and I couldnt tell. Both her insurance, AAA and the body shop, claimed it wasnt their responsibility to report to CarFax. The car actually sat in the sun for an hour, and this dent popped back out, but you can see the little crease in the paint. I checked the CarFax report about a month after repairs were complete, and nothing. Fast forward about 8 months later. I was trading it in, only to find out, it showed up on the CarFax. I thought the dealer was full of shit, so, they gave me the carfax that even described that there was minor bumper damage to the right front side. I was in the middle of trading it in, and even though it didn't hurt much, it was too late to get diminished value for it. You really have to keep up with it to cover yourself.
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10-03-2022, 10:57 AM | #54 |
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I'm gutted for you. I think this is all car enthusiasts worst nightmare. I'm sorry it happened due to someone else's carelessness. Do you not have a garage?
Here's the upside... I'm not sure what paint you have underneath that stealth wrap but being that the car is completely new and the sun hasn't had an opportunity to bake the paint, I'd say you have a good shot at getting a close to perfect match on color. You will have no choice but to paint the door and fender, some body shops will want to "blend" the quarter panel which means they'll want to paint the whole side of your car, which sucks balls and I wouldn't want. If that's how they want to go, pressure them enough and make sure they get enough time to do enough spray cards to get a damn close match so you don't need to touch the qtr panel. if you keep it from insurance there will be no carfax, but I'd still document the damage in case you decide to sell the car in the future as you have to disclose. If you plan to rewap the portions of the car the repair will be undetectable - it doesn't make it any less shitty though. I think if you seek a diminished value claim etc you're just going to hurt yourself in the long run. If you can get the car repaired without the carfax hit then that's the move - with the wrap on, you won't be able to tell the car was ever damaged. Ugh. I had a scare myself this weekend - I had this huge 5x5 double edged glass sitting in my garage from the previous owner that sold us our house and it somehow slipped and came near damn inches from hitting the car. Lucked out. Even when you do everything in your power to take care of your car - someone else will fuck it for you or you'll have some dumb other worldly thing happen in the least likely scenario.
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10-03-2022, 11:05 AM | #55 |
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We all really know what happened, OP. He strikes, again.
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10-03-2022, 11:29 AM | #57 |
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Oh my god, so right.
You know after 20 years of owning cars, I think I've learned the wisdom of every possible way a car can get fucked up by someone. We should almost create a sticky LOL. Here' what I experienced or have heard of: -regular old accident -someone with an electrical device or even a bike just running into your car or swiping across it -road rage -hitting mirror through drive through -standard car dent from doors, shopping carts -Landscapers with leaf blow metal backpacks (I had to learn this one first hand on my 135i, literally saw some idiot get into a crevice and back his blower motor into my door). This happened to me at work, everytime I'd hear them turn on their motors I'd move my car to where they had finished already. -Someone backing up into your car, whether in traffic, at a drive through, or just having your car parked. -Bird or bug splatter etching clear coat -Car falling or slipping off a lift (household or shop) -Once etched my clearcoat on my 335i by leaving an adhesive remover can on the trunk for too long, left an etch in the clear coat (wtf?) when installing a spoiler -making sure items attached to garage ceiling are secure and no items that can tip over are close enough to tip onto the car -legit true story, I once left my civic si parked in basically an empty apartment parking lot to see a friend and when I came outside my car had 30+ little handprints, turns out my car was a "tag station" for kids playing tag I had a bunch of minor dents I had to get removed I can probably think of a few more but over the years I've developed a "spidey sense" for this shit. IF i leave my car parked anywhere I analyze how and what angles my car can get hit just sitting there parked and try to mitigate the risk as much as possible
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10-03-2022, 11:29 AM | #58 | ||
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I had a $9k insurance claim on my old F80 that was fixed at my dealer and they sold it as a "one owner no accident" car (I upgraded it). No Carfax hit. |
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10-03-2022, 12:08 PM | #61 | |
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10-03-2022, 12:10 PM | #62 |
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Do you ever hear anyone say "The drivers in my state are really pretty good!" ?
Drivers suck pretty much everywhere. NJ drivers are just more rude about it.
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10-03-2022, 12:18 PM | #63 |
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10-03-2022, 12:24 PM | #64 |
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I know a solution to DV on expensive cars.. Never buy one, rent it for 36 months and get a new one at the end.
Each of us has there own perspective in the own vs lease debate, but this thread is clearly the #1 reason leasing is a always the better option on cars like this. Someone hits my new M5.. I'll get it fixed and let BMW deal with it in 35 months. Not my problem. And correct me if I'm wrong, but I don't think the car can ever been certified by BMW if it's had body work/been painted. NJ is a no fault state, meaning, that you have to submit any claim/damage on your car to your own insurance company, regardless of fault, and they will in turn subrograte against the neighbor's insurance co. I will agree with others, though, that it's a beautiful car and will be again after the work is done. Good luck with it. |
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10-03-2022, 12:36 PM | #65 |
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They "will be surprised",...and definitely will be more careful going forward!
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