Some fart crashed into me (nearly sorted)!!!

[topspark]

im guessing at £950 Based on expensive labour charges!!!

lee

[StuBeeDoo]

im guessing at £950

.... And the rest! BMW dealership? Megabucks.

[boxclever1753]

im guessing at £950

.... And the rest! BMW dealership? Megabucks.

megabucks?? you mean more than £950?!?!

[StuBeeDoo]

im guessing at £950

.... And the rest! BMW dealership? Megabucks.

megabucks?? you mean more than £950?!?!

Have you checked BMW's labour rates lately? .....And they'll want to use all new genuine parts. It ain't going to be cheap.

[driftbmw]

my estimate is £2450, all in

[Jhonno]

bmw dealer rates are around £115+VAT/hr atm..

[maxfield]

bmw dealer rates are around £115+VAT/hr atm..

Vaseline anyone ?

[Brianmoooore]

my estimate is £2450, all in

That's well into Cat C write off territory!

[E30BeemerLad]

Just spotted this

it's not what you know, but what you can prove, end of.

If you are off toi Cooper Cobham then they may be able to help you out by referring you to a company called Accident Exchange, they will hire you a like for like vehicle whilst yours is in for repair, but to be honest they will only be interested in you if the other side are accepting blame.

The area of damage is consistent with the third party driving into you as you don't have any proper frontal damage. Get down to the location, take pictures of where it happened, all this stuff will help your legal team to argue the toss. However, be prepared for a drawn out battle where realistically you stand a good chance of having to get tucked up on a 50/50 settlement.

[Dan318-is]

if you have had a good insurance history, you can ask them to review the case, they don't like doing this but if you put your foot down (no pun intended) they will investigate further. Alot of the time they work on just a quick resolution next case process, had two crashes neither my fault and stood my ground, got both accidents paid by other driver, even though in one of the accidents the other driver claimed afterwards he had a passenger who witnessed the whole thing, so now always carry a camera to show photo eveident of my car his car, and area. so spot the invisible passenger then.

I wish it worked like that! I've been waiting two years and the bint that pulled out on me is still denying it was her!

It's definatl not a write off; as for the BMW price, its got to be near £2000.

[Loony]

i would agree with a price around £2000.However put this against the value of the car and im not to convinced they would repair it to be honest.This is taking into account the low value the insurance company will probably put on it.

[Brianmoooore]

Only needs to be 60% of the car's value for write off status.

[B7]

Yeah, £2 to 2.5k is where It put the repair. They won't repair the skirt either. It'll all be new. They'll blow most of the side in as well. Please put us out of our misery.

[oakey]

I have been put throught to the above accident exchange company spoken about above. So no estimate today I'm afraid.

Hopefully it wont be written off. The bloke at coopers didnt think it would be.

Just have to see what happens I suppose

If it is written off. How likely is it that I will be able to buy back the car?

[E30BeemerLad]

should be no probs buying it back as it will be cat C or D

[HairyScreech]

i dented a door on a new 307sw. got a quote for the repair.

1 door in metalic blue + fitting at oval £1700 (with no courtisy car)

local acident repair specialist £950 (and they did a better job than oval would have done)

from bmw it could be a very expensive quote.

[Rosc0PColtrane]

Main dealer usually sub this sort of work out. Either that or the insurance company will have an approved body shop to actually carry the work out.

[Loony]

I would go to a local non main dealer bodyshop to get a qoute if it were me.You stand more chance of the quote being low enough to possibly get it repaired.If you stay the main dealer route i can see it being written off.

As for buying it back i can not see this being a problem.In terms of value to the insurance company it is almost worthless.I dont want that to sound nasty but its salvage value in there eyes would be so little as its not a new car so they may be more intrested to sell it back to you.This way they avoid auction costs transport costs etc.My E30 318is was written off 3 years ago and they gave me £3,000 for it as i had just spent £1,000 on new alloys and a few other bits.They then said to me keep the car and scrap it yourself as they did not want the hassle of doing it themself as they said it was worthless to them.

[E30BeemerLad]

The dealer will be pushing for the repair, probably to do it on what's called a credit repair basis, so tey make keep it half sensible, otherwise they don't see a bean, so it's in their interest to be able to quote for a repair they stand a chance of getting work from.

The liability dispute with the other lot won't help your cause here though as anyone who is wanting to help you out here is making a buck from the situation, if there's a strong risk they won't see a 100% recovery then they'll run, which sadly is likely to be the case here

[oakey]

I would go to a local non main dealer bodyshop to get a qoute if it were me.You stand more chance of the quote being low enough to possibly get it repaired.If you stay the main dealer route i can see it being written off.

I know a good small bodyshop also. so if coopers say its uneconomical to repair i'll get it done at the other place.
I figure if i can get it repaired at coopers I might as well eh?

[oakey]

if i get 3k and the car i will be
in theory i could repair the damage for less than £200 easy

[E30BeemerLad]

If you can repair that well for £200 I would just get on with it mate, otherwise you're gonna drain 18 months out of your life and bugger your NCD

[oakey]

if it goes in my favor I may as well get it repaired as it wont affect my NCD. But if it goes in twatface's favor tthen i will loose my NCB and repair the car on the cheap. nothing i can do about it really

[Loony]

I know what you mean about getting it done at a dealer if you can.But as i have said before please do not be suprised if this claim even though it may not be your fault affects your insurance.In my claim the driver was arrested and found guilty of driving with out due care and attention.I have suffered 4 years of higher insurance premiums as a result.I dont want to keep saying the same thing but.....come renewal time you will be asked..have you been involved in any accidents or claims wether to blame or not in the past 5 years.This claim will quite possibly put your rate up.All your ncb will do is reduce the now higher rate by x amount of percent.

[JohnnyThunders]

If you could still be amicable with the geezer, perhaps you could get him to slip you a few quid pointing out how it was his fault, and that you can then do the repairs yourself. Maybe.. i dunno, stress how long and annoying the insurance claim would be for you both..

[oakey]

^I doubt it very much. The bloke was a very angry man. I explained to him in a very decent way that he should have looked before turning and he just didnt listen to a word I said. It ended up getting "shouty". He foned the police. Accused me of drinking. I asked the officer to breathalise him. they didnt.
I will be very suprised if he will not try and make this as hard for me as possible.
I dont really mind if my premium goes up a bit if I get it repaired to a high standard.

I would rather not try and reason with him as he may see that as me thinking that I am to blame and therefore be more likely to claim from me. if you know what I mean?

[Simon13]

a wing is only £165 off the shelf price, to remove and refit it is only going to be 2hours max by a proper bodyshop guy surely?! All the clips and nuts they see fit to replace will be no more than £40-£50. Paint materials won't be alot and to sort a wing they are not going to need to spray fast amounts of the car

Aren't all bodyshops independant from the bmw dealer network but are approved? So their rates may not be as high as the main dealers

I can't see their quote being alot more than the £1200 ball park figure

like it's been said a front wing replace/paint job on a 325i sport shouldn't see it written off. Cat C at worst. My auto was Cat C and that had a hard smack on the rear quarter and was a £3000 repair job at a volvo/honda approved bodyshop

[oakey]

^needs a new bumper as well simon. Its badly warped. How much are they from the stealers? What about the skirt also?

[driftbmw]

you want the car written off, so they will pay out for the value of your car,

if you go for a cheap repair its not worth it.

you can squeeze £3500 out of the insurance

they will let you buy back at 15-22% the buy out value

so from £525 to £770

so in your pocket over £2500

£500 all in for a good job

down the bank with 2 grand

[E30Mark]

they will let you buy back at 15-22% the buy out value

Unless it's insured with Frizzel / Liverpool Victoria, they are trying to stop this activity, and can charge up to 80% of the vehicle value to buy it back

[tristan325]

am trainin to be a driving instructor at mo (believe it or not) and have just referred to all the training manuals an stuff, basically hugh boring version of highway code,

technically you were inthe wrong for not making sure you had a fair idea of what the driver ahead intended
(not my worsd, reading from the book)

conversly, he was wrong for not checking his blind spot, mirros etc before changing position on the road,
(in my book far more wrong thn you)


i know all that makes little sense, but when did the rule book ever make sense

Sadly he's right. I used to investigate these sort of disputes for a living and my opinion would be a 50/50 split liability.

On an even worse note, you will most likely have a twat of a loss assesor write your car off! Fight for this not to happen!

[B7]

Any news on the quote?

[oakey]

Didnt get it done in the end as I decided to go with the bmw insurance people who are currently having words with the other insurance company about things. My insurance company said it may be hard to get 100% fault put on the other driver without a witness. So it seems like it will go better than 50/50 for me. But it is not gonna get sorted quickly. My insurance company said they would get in touch with me once a month
I may just end up claiming from my insurance company to replace and paint the bumper, skirt, wing etc. I'll loose my no claims but fuk it. my policy with them ran out at the end of last month and im now insured with a classic policy not using my no claims anyway.
I'll have to pay my £700 excess aswell. Then if it goes down as his fault in the future I could claim it back. May as well just pay to get the whole car painted and get the insurance people to pay for some of it. Was planning on doing this soon anyway.

[Gortour]

they will let you buy back at 15-22% the buy out value

Unless it's insured with Frizzel / Liverpool Victoria, they are trying to stop this activity, and can charge up to 80% of the vehicle value to buy it back

Glad I'm not with Frizzel then...

Hope this doesn't become a normal activity... What a b'stard if instead of being able to buy back scrappers and put the bits up for sale to keep other E30s on the road, they all get scrapped on a 'compulsory' action.

[oakey]

Went in to coopers to get the estimate today. I will know in a few hours how much its gonna cost. The dude said it would probably be a write-off though even if it were just the bumper that was damaged