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Thread: Rear Ended - Insurance wants to claim total loss

  1. #1
    Join Date
    Feb 2011
    Location
    New Orleans
    Posts
    261

    Rear Ended - Insurance wants to claim total loss

    Hey guys, its been a while since I posted on here last, but I've checked in from time to time to see whats new. I hope all is well with everyone.

    A few weeks a go, I was rear ended at low speed. The repair estimate came back at $4,500, and insurance company for the guy at fault wants to call it a total loss. I have never been in an accident before, so I don't know what to expect (other than the insurance company trying to do what ever makes them a buck or saves them a buck).

    There is some slight crumpling of the body inside the trunk, but the shop is only quoting 2 hours of labor to fix that.

    I'm waiting to hear back from insurance on how they plan on valuing the car. Should I take it to another shop for another quote? $4500 seems like a lot to me, but again, this is my first accident.

    She is a 2004 model with 142,xxx miles. In good condition overall.

    Thanks,

    Ed

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  2. #2
    Join Date
    Mar 2016
    Location
    Madison, Alabama
    Posts
    330
    Pretty much any damage to a frame will result in the insurance company totaling it.

    Buy it back and make a track car out of it
    Family that races together stays together
    2005 330Ci 6MT SGM (x2)

  3. #3
    Join Date
    Nov 2012
    Location
    22841
    Posts
    9,348
    A good body shop can put that car back on a frame machine and have it back in spec. I would argue with them not to total the vehicle.

    BTW the rear bumper on your car is not correct.

    His - 2004 Imola Red / Alcantara 330i | 6MT | ZHP |

    Her's - 2005 Black Sapphire Metallic / Black Leather 330i | 6MT | ZHP |

  4. #4
    Quote Originally Posted by Vas View Post
    A good body shop can put that car back on a frame machine and have it back in spec. I would argue with them not to total the vehicle.

    BTW the rear bumper on your car is not correct.
    Ya that's a ZSP bumper

    Sent from my ZTE A2017U using Tapatalk

  5. #5
    Join Date
    Feb 2011
    Location
    New Orleans
    Posts
    261
    Quote Originally Posted by 3LiterStraightSix View Post
    Ya that's a ZSP bumper

    Sent from my ZTE A2017U using Tapatalk
    Sorry about the ZSP bumper. The previous owner backed into something and had it replaced. I was thinking this would be my opportunity to get the correct bumper!

    Does anyone know of sources to track down actual sale prices of cars with the performance package? The initial insurance valuation of the car did not include the ZHP package, and the adjuster didn't seem interested in verifying that the car had it. Having some numbers to throw back at them would be beneficial.

    Thanks

  6. #6
    Join Date
    Nov 2012
    Location
    22841
    Posts
    9,348
    Bring a trailer. Look up current and previous cars sold.

    Sent from my Pixel 2 XL using Tapatalk

    His - 2004 Imola Red / Alcantara 330i | 6MT | ZHP |

    Her's - 2005 Black Sapphire Metallic / Black Leather 330i | 6MT | ZHP |

  7. #7
    Join Date
    Dec 2016
    Location
    Boston, MA
    Posts
    599
    Nearly a year old thread... Looking for some fresh advice because I clipped someone yesterday. Worried the insurance company may total it and want to provide some comps for their review. I don't want to let go of this car because I know I'll never find its equal for the price.

    I'm planning to use BAT as a reference, but I remember there was another company that sold ZHP's and can't remember the name. Anyone know the place I'm thinking of?

    EDIT: Never mind - Remembered it; EAG. They sold a few ZHP's but unfortunately don't list the sale price.
    -Chris


  8. #8
    Join Date
    Oct 2017
    Location
    Amherst, NH
    Posts
    404
    - Pete


    [SIGPIC]

  9. #9
    Join Date
    Oct 2017
    Location
    Amherst, NH
    Posts
    404
    and sorry to hear.... your car is a beauty
    - Pete


    [SIGPIC]

  10. #10
    Join Date
    Dec 2016
    Location
    Boston, MA
    Posts
    599
    Thanks Pete.
    -Chris


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