Originally Posted by
nextelbuddy
Yes there was just a 330i and 330ci that had 6 speeds with M54 as well but they werent ZHPs.
the bottom line is that this is a game of chess unfortunately. Adjusters know that, they deal with thousands of people just like you. It is their job to pay you as LITTLE as possible, they even have goals and spiffs to help encourage that. its the business.
they also are very good at playing hardball, they know YOU need money, they know YOU are the one that needs them more than they need you right now. the adjuster believes they have the deck stacked in their favor. They wil play this back and forth as long as you can but you DONT have to accept their offer. if you have a rental, they usually estimate you will only hold out as long as the rental lasts and as soon as you have to start coming out of pocket for anything they know usually you will just accept and move on. its all their strategy.
right now they are using fair market value on NORMAL cars.. auto trader, KBB, black book value blue book value and they run it through their systems to generate an average MEAN on the lowest side possible.
The one thing you need to say and stick by is "can YOU get a replacement that is CLOSE or EXACTLY like yours with the money they are giving you" if they are coming at a low number,m then you need to ask the adjuster to give you THEIR sources for where that number is coming from and tell them "look ive looked at this list and none of the cars on here match my car in terms of condition (pre accident), mileage, options, color combo etc... (aftermarket just give up on you arent going to win that battle)"
if you are able replace your car with something on the list they are giving you at a comparable level then you are going to have a hard time fighting them period.
it sucks as a consumer that you pay an insurance premium for coverage only to still have to fight and work for whats deserved but that is how its always been and it is not going anywhere ever.
either take the payout if you feel the money can get you a comparable replacement.. OR say no and hold out and continue to research YOU fair market value...
Craigslist locally, surrounding states, websites like Bring a trailer that show what cars SOLD for etc... collect your ammo and hold out. they DO have to settle but they i know they have the money to hold out much longer than you do.