When it rains, it pours...

Rob_G77 · 10-29-2022, 07:46 PM

Tomorrow my friend and I were going to take pictures of my M850i for autotrader so I could try and sell it and get out from under the hefty payments.

Now I'm fooked. Some lady backed into my car in a parking lot and put a nice big hole in the bumper with her receiver hitch. I had already pulled out of my spot when I saw here starting to back out. I layed on the horn (5+ seconds) to no avail. She had zero damage on her rusted Ford Escape. My car needs a new bumper and the quarter panel fixed.

So... I can't sell the car because it's damaged. It will also now have a claim on it. Nobody will want to touch it as such. No fault insurance here means there's nothing else I can do except get the car fixed.

I just noticed her vehicle is missing the rear wiper blade. She was backing up blind!

snareman · 10-29-2022, 08:02 PM

Wow, that sucks. I really feel for you. What did she have to say for herself?

RJC-1 · 10-29-2022, 11:57 PM

So sorry to see this-dumb b——, I hope she was exceedingly apologetic and has great insurance. Could she even see through that mud covered glass with the odd wipe job

mjr24 · 10-30-2022, 01:12 AM

Quote:

Originally Posted by Rob_G77

Tomorrow my friend and I were going to take pictures of my M850i for autotrader so I could try and sell it and get out from under the hefty payments.

Now I'm fooked. Some lady backed into my car in a parking lot and put a nice big hole in the bumper with her receiver hitch. I had already pulled out of my spot when I saw here starting to back out. I layed on the horn (5+ seconds) to no avail. She had zero damage on her rusted Ford Escape. My car needs a new bumper and the quarter panel fixed.

So... I can't sell the car because it's damaged. It will also now have a claim on it. Nobody will want to touch it as such. No fault insurance here means there's nothing else I can do except get the car fixed.

I just noticed her vehicle is missing the rear wiper blade. She was backing up blind!

Make sure you get diminished value properly calculated......

Seaford · 10-30-2022, 04:25 AM

Bummer.

Rob_G77 · 10-30-2022, 04:04 PM

Quote:

Originally Posted by mjr24

Make sure you get diminished value properly calculated......

It seems that type of claim doesn't really exist here in Canada. I can ask for it, but if (probably) refused then I have to sue with no guarantee of winning.

Rob

bloozemanAZ · 10-30-2022, 06:49 PM

Quote:

Originally Posted by Rob_G77

It seems that type of claim doesn't really exist here in Canada. I can ask for it, but if (probably) refused then I have to sue with no guarantee of winning.

Rob

Didn't even know such a claim existed until others on the forum shared their experience. Hope it all works out and her insurance pays to fully restore the M850i to pristine saleable condition. It's not huge damage but from what I understand is these days in the digital world of Carfax, etc. people will argue the value given the car having been in an accident. That is where the diminished value comes into play, i.e., pay for the repairs plus potential lost value due to an accident in a Carfax report.

balefire · 10-30-2022, 06:57 PM

I have known countless people including myself who have suffered an accident and similarly discussed diminished value. I've never met anyone who actually obtained reimbursement for it.

Lawyers work for 300 and up per hour.
Doubt suing would be economically feasible.

Edit. I'm in IL

m3_08 · 10-30-2022, 07:56 PM

I had incident with one of our previous cars and I never heard about DV before that.
GEICO, our insurance co at that time, contacted me and offered xxxx DV without asking in addition to full repair (it was hit and run accident so it was all my insurance).
I took offered DV, repaired car and traded in later.
May be some states have different DV rules?

Rob_G77 · 10-31-2022, 12:54 AM

Quote:

Originally Posted by balefire

I have known countless people including myself who have suffered an accident and similarly discussed diminished value. I've never met anyone who actually obtained reimbursement for it.

Lawyers work for 300 and up per hour.
Doubt suing would be economically feasible.

Edit. I'm in IL

I think for something like a bumper replacement it shouldn't matter really. It doesn't to me as long as it is repaired properly. There's obviously no serious damage and thankfully the wheel was not hit.

I'll start tomorrow trying to get it appraised and go from there. This could take a very long time...... I hope not though!

Rob

mjr24 · 10-31-2022, 02:29 AM

Quote:

Originally Posted by Rob_G77

I think for something like a bumper replacement it shouldn't matter really. It doesn't to me as long as it is repaired properly. There's obviously no serious damage and thankfully the wheel was not hit.

I'll start tomorrow trying to get it appraised and go from there. This could take a very long time...... I hope not though!

Rob

Which is why you need to make sure it's fixed at a BMW certified collision center.....

Da_BatMann_ · 10-31-2022, 07:47 AM

Accidents don't show up on the Carfax for 30 days. You could also not go through insurance as well 🤷*♂️

unfoundnemo · 10-31-2022, 08:55 AM

Quote:

Originally Posted by Da_BatMann_

...You could also not go through insurance as well ��*♂️

I've gone this route on some of the Mrs. parking lot incidents (all her fault - and she typically hits poles rather than cars), my intention wasn't really to hide it because it was a lease, but just to not have the claim, and of course they didn't ever show up.

Looks like you and Vic55 have similar stances when taking pictures of your car

Vic55 · 10-31-2022, 09:19 AM

Quote:

Originally Posted by unfoundnemo

I've gone this route on some of the Mrs. parking lot incidents (all her fault - and she typically hits poles rather than cars), my intention wasn't really to hide it because it was a lease, but just to not have the claim, and of course they didn't ever show up.

Its all about the squat ...

Rob_G77 · 10-31-2022, 05:59 PM

From what I learned today, it's probably going to take at least 4 months before I can get the car fixed. The shops are all booked up into next year.

Rob

Tenac · 10-31-2022, 05:59 PM

Quote:

Originally Posted by Rob_G77

From what I learned today, it's probably going to take at least 4 months before I can get the car fixed. The shops are all booked up into next year.

Rob

That is such a bummer......... But maybe ready in time for spring!!...

snareman · 10-31-2022, 09:49 PM

Quote:

Originally Posted by Rob_G77

From what I learned today, it's probably going to take at least 4 months before I can get the car fixed. The shops are all booked up into next year.

Rob

Wow, that really sucks. Its amazing how long these things take

Opie55 · 10-31-2022, 10:45 PM

Quote:

Originally Posted by Rob_G77

From what I learned today, it's probably going to take at least 4 months before I can get the car fixed. The shops are all booked up into next year.

Rob

Taking my wife's X3 in to the body shop tomorrow for an aggressive door ding that happened in July. So shops are backed up everywhere.

fmzip · 11-01-2022, 07:36 AM

Man I feel lucky. This happened to me on September 13th, got my car back last week. Total $6084.26

Rob_G77 · 11-01-2022, 06:17 PM

Quote:

Originally Posted by fmzip

Man I feel lucky. This happened to me on September 13th, got my car back last week. Total $6084.26

Did they replace the bumper? I heard that because of the sensors the bumpers can't be re-painted, but have to be replaced? Are you happy with the work?

Small update: I get my damage appraisal this thursday.

Small update #2: BMW finally approved replacing the dash, or at least part of it. The passenger side top has a 'spot' that cannot be cleaned and there's a lot of black color coming off when trying to clean it.

Oil change needed this month. Also going to have them check a chassis function reduced error I had a few weeks ago.

RJC-1 · 11-01-2022, 06:44 PM

Quote:

Originally Posted by Rob_G77

Did they replace the bumper? I heard that because of the sensors the bumpers can't be re-painted, but have to be replaced? Are you happy with the work?

Small update: I get my damage appraisal this thursday.

Small update #2: BMW finally approved replacing the dash, or at least part of it. The passenger side top has a 'spot' that cannot be cleaned and there's a lot of black color coming off when trying to clean it.

Oil change needed this month. Also going to have them check a chassis function reduced error I had a few weeks ago.

Do they have to replace the entire dash for this? If so, are you sure it's worth all the possible collateral damage of a not so perfect install, plus new squeaks rattles etc?

RJC-1 · 11-01-2022, 06:45 PM

Quote:

Originally Posted by fmzip

Man I feel lucky. This happened to me on September 13th, got my car back last week. Total $6084.26

UGH, so sorry you had to experience this, these kinds of pics cause pain just looking at them!

10-29-2022, 07:46 PM	#1
Rob_G77 Major 1152 Rep 1,363 Posts Drives: Nothing Join Date: Feb 2020 Location: Regina, SK iTrader: (0)	When it rains, it pours... Tomorrow my friend and I were going to take pictures of my M850i for autotrader so I could try and sell it and get out from under the hefty payments. Now I'm fooked. Some lady backed into my car in a parking lot and put a nice big hole in the bumper with her receiver hitch. I had already pulled out of my spot when I saw here starting to back out. I layed on the horn (5+ seconds) to no avail. She had zero damage on her rusted Ford Escape. My car needs a new bumper and the quarter panel fixed. So... I can't sell the car because it's damaged. It will also now have a claim on it. Nobody will want to touch it as such. No fault insurance here means there's nothing else I can do except get the car fixed. I just noticed her vehicle is missing the rear wiper blade. She was backing up blind! Attached Images
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10-29-2022, 08:02 PM	#2
snareman Leave the gun. Take the Canoli. 9052 Rep 7,621 Posts Drives: ///M8 & X3 ///M40 Join Date: Dec 2006 Location: Ohio iTrader: (0)	Wow, that sucks. I really feel for you. What did she have to say for herself? __________________ Current: 2023 Santorini Blue ///M8 \|\|\| 2023 X3 M40 Retired: 2021 Enzian Blue ///M4 \|\|\| 2018 ///M4 \|\|\| 2017 ///M4 \|\|\| 2014 435i \|\|\| 2009 335i Coupe \|\|\| 2007 335i Coupe
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10-29-2022, 11:57 PM	#3
RJC-1 Lieutenant Colonel 1290 Rep 1,658 Posts Drives: 2019 BMW M850XI Join Date: Dec 2019 Location: Florida iTrader: (0)	So sorry to see this-dumb b——, I hope she was exceedingly apologetic and has great insurance. Could she even see through that mud covered glass with the odd wipe job __________________ 2019 M850i xDrive Coupe (06/19 Production) Mineral White/Black, HP Cooling/Tire/M-Technology Pkg/Extended Shadow/Etc., Anthracite Headliner, Carbon Roof, DAx2, Display Key, Various Accs'. Topic permitting, I try to be objective as possible
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10-30-2022, 04:25 AM	#5
Seaford Lieutenant Colonel 1148 Rep 1,687 Posts Drives: 840 M Sport Gran Coupe Join Date: Feb 2016 Location: Seaford, England iTrader: (0)	Bummer.
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10-30-2022, 06:57 PM	#8
balefire Enlisted Member 99 Rep 49 Posts Drives: Porsche 996 Join Date: Sep 2015 Location: Chicago, IL iTrader: (0)	I have known countless people including myself who have suffered an accident and similarly discussed diminished value. I've never met anyone who actually obtained reimbursement for it. Lawyers work for 300 and up per hour. Doubt suing would be economically feasible. Edit. I'm in IL Last edited by balefire; 10-30-2022 at 10:00 PM..
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10-30-2022, 07:56 PM	#9
m3_08 Lieutenant 603 Rep 532 Posts Drives: 2023 M8 conv, IX M60, model Y Join Date: May 2015 Location: ATL iTrader: (0)	I had incident with one of our previous cars and I never heard about DV before that. GEICO, our insurance co at that time, contacted me and offered xxxx DV without asking in addition to full repair (it was hit and run accident so it was all my insurance). I took offered DV, repaired car and traded in later. May be some states have different DV rules?
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10-31-2022, 07:47 AM	#12
Da_BatMann_ Private First Class 178 Rep 176 Posts Drives: M8C GC Join Date: Sep 2022 Location: Miami iTrader: (0)	Accidents don't show up on the Carfax for 30 days. You could also not go through insurance as well 🤷*♂️
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10-31-2022, 05:59 PM	#15
Rob_G77 Major 1152 Rep 1,363 Posts Drives: Nothing Join Date: Feb 2020 Location: Regina, SK iTrader: (0)	From what I learned today, it's probably going to take at least 4 months before I can get the car fixed. The shops are all booked up into next year. Rob
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11-01-2022, 07:36 AM	#19
fmzip Spoiler Bandit 1650 Rep 872 Posts Drives: 2019 M850i / 2016 228i Join Date: Dec 2012 Location: CT iTrader: (1)	Man I feel lucky. This happened to me on September 13th, got my car back last week. Total $6084.26 Attached Images Last edited by fmzip; 11-01-2022 at 07:42 AM..
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