News - All of it bad

"M" Specific discussion
Post Reply
User avatar
AlfaScozzesi
Senior Member
Senior Member
Posts: 1311
Joined: Sun Feb 22, 2015 5:36 pm
Location: Spean Bridge, Highlands

News - All of it bad

Post by AlfaScozzesi » Wed Jan 17, 2018 12:13 pm

Thanks for all the good wishes and your thoughts on the insurance offer.

I am afraid this happened over a week ago and where I live there are not many cameras for the police to look at to get plate numbers so I have to accept that they wont be found. The police as you can imagine want to find the driver pretty badly as leaving the scene of an accident is the charge they want to prosecute but they haven't managed it yet.

The accident happened at approx. 17:30 which here in the Highlands is pitch black in the countryside so I don't even know the type of car which hit me. I have the mark of third car (the one I passed first) as I followed it for a bit and you can see the tail lights etc but the car which hit me is was a large SUV shape only.

So unfortunately I wont be offered to buy back the "scrap" or be able to get access for any bits. I had actually just booked her in to get the bearing shells, vanos and her yearly inspection done and the owner of the garage who is an enthusiast wanted to see if I could get him the engine when I cancelled the appointment as it would be probably have been good as the front impact wasn't very much.

I have been back onto the insurance guy who I have to say got a little upset that I didn't accept his (14k) offer and was a little animated on the phone. He has now said that the maximum he can do is get the average of the three prices from the guides including Glasses and two others which he didn't specify. If I don't accept this price then it would go to arbitration.

As far as I can see the longer I wait the more the cars worth will go up so that doesn't bother me too much.

Anyone with better knowledge though please let me know. I think it was Mr Tidy who has worked in the industry.

User avatar
Ducklakeview
Lifer
Lifer
Posts: 6354
Joined: Tue Mar 22, 2016 4:08 pm
Location: Merseyside

News - All of it bad

Post by Ducklakeview » Wed Jan 17, 2018 12:43 pm

The insurance guy will have his own limit for settling claims, probably £15k by the looks of it. His job is to get it settled FAST, so as to minimise the amount of time (money) the insurers spend dealing with it. He probably hasn't seen the car in the flesh, just photos. His thinly veiled threat of "arbitration" is a load of bollox, and is designed to pressurise you into settling. If you don't accept the offer he will either speak to his manger or refer it to someone with a higher claims payout authority.

As mentioned, I would be scouring the AT and the like and putting together a list of comparable cars for sale on the market at the moment. The insurers liability is to indemnify you so that you are in the position you were before the incident, so any settlement should enable you to purchase a like for like model, less your excess.

In situations like this, they rely on people just wanting to settle, and trust me, they save a lot of money in doing so.

Mike

User avatar
RedUn
Member
Member
Posts: 606
Joined: Sat Jun 16, 2012 7:33 pm
Location: Hertfordshire

News - All of it bad

Post by RedUn » Thu Jan 18, 2018 11:03 am

Really sorry to hear the news, glad to hear your OK though!

How many body shops are in the area? If I were you I'd ring them all and offer them a reasonable cash reward if any SUV comes in with a z4 shaped dent in the side of it...

I'm assuming it will have some paint on there, nothing a bit of science can't prove to be the exact same paint as your car?

Got to be worth a go?
IMOLA Z4///MR

User avatar
tjlazer
Member
Member
Posts: 805
Joined: Mon Oct 05, 2009 6:01 pm
Location: Richmond

News - All of it bad

Post by tjlazer » Thu Jan 18, 2018 12:41 pm

Wow. You are very lucky, that looks nasty. Glad to hear you're ok, the car can be replaced. Push for more based on current prices online, but you probably aren't going to see much more from the insurers. A nice 4x4 might be better suited to Highland adventures!
WAS: black on black MR with carbon trim. NOW: IB/Champagne/Carbon ZMC

User avatar
Beedub
Lifer
Lifer
Posts: 9310
Joined: Wed Sep 10, 2008 2:25 pm
Location: Sutton Coldfield

News - All of it bad

Post by Beedub » Thu Jan 18, 2018 1:06 pm

incredible strength in the car , jesus man, so sorry to see this, God bless and wish you all the best!!

User avatar
Vanne
Member
Member
Posts: 828
Joined: Sun Jul 07, 2013 12:55 pm
Location: Dubai
Contact:

News - All of it bad

Post by Vanne » Tue Jan 23, 2018 1:08 am

Geepers, just really glad your ok. :|
2007 EuroSpec Z4///MC Carma FF. DMK USSk. CDV X. RPi. CSL 19". Apex. APR Aero. CSL intake. Epic Alpha-N. KW Cs. 288/280. SS S1.Varis. Me STB. Brembo GT. Tillett. RE Xpipe. JB.
Image

Mr Tidy
Lifer
Lifer
Posts: 7694
Joined: Wed Jul 02, 2014 12:18 pm
Location: Berkshire

News - All of it bad

Post by Mr Tidy » Tue Jan 23, 2018 1:46 am

AlfaScozzesi wrote:
Wed Jan 17, 2018 12:13 pm
I have been back onto the insurance guy who I have to say got a little upset that I didn't accept his (14k) offer and was a little animated on the phone. He has now said that the maximum he can do is get the average of the three prices from the guides including Glasses and two others which he didn't specify. If I don't accept this price then it would go to arbitration.

As far as I can see the longer I wait the more the cars worth will go up so that doesn't bother me too much.

Anyone with better knowledge though please let me know. I think it was Mr Tidy who has worked in the industry.
Yes, don't accept their first valuation - that is a "starting point" in negotiations for them.

Find some adverts for similar cars and send them to your insurer and maybe hint at what you might be willing to accept - there aren't any Z4M Coupes for sale at £14K after all!

You can always ask for a referral to the Ombudsman - the insurer pays the referral fee, the conclusion is binding on the insurer but not on you!

But thankfully you are in a position to have that debate - great news OP. :thumbsup:
Z4 3.0Si Sport - Coupe for added stiffness!
Current - Montego Blue, Pearl Grey, Cirrus trim & 295s. Cruise, Storage and pdc. E91 325i as a DD.
Gone - Ruby Black, Pearl Grey & 135Ms. Xenons, heated seats and Professional speakers.

markalp
Member
Member
Posts: 450
Joined: Tue Aug 08, 2017 3:10 pm

News - All of it bad

Post by markalp » Tue Jan 23, 2018 2:53 am

Quick check on AT shows Cheapest 2007 going for £17950 and the most expensive £23490... So they know where they can stick that £14k offer :)
Alpina Roadster S LUX #030

User avatar
BMWZ4MC
Lifer
Lifer
Posts: 5332
Joined: Sun Sep 13, 2009 4:24 pm
Location: Back in the sunshine

News - All of it bad

Post by BMWZ4MC » Tue Jan 23, 2018 8:45 am

Mr Tidy wrote: ...You can always ask for a referral to the Ombudsman - the insurer pays the referral fee, the conclusion is binding on the insurer but not on you...
Very useful to be aware of this.
Image
Modified RS4 Avant - daily driver; Z4MC - heavily fettled for track use; Westfield SEiW - track car
Sold S2000 GT (convertible fun now comes from a car only fit for a Teutonic coiffeur)

User avatar
paulgs1000
Lifer
Lifer
Posts: 5586
Joined: Wed May 02, 2012 5:48 pm
Location: Newcastle upon Tyne

News - All of it bad

Post by paulgs1000 » Tue Jan 23, 2018 9:19 pm

Only just seen this Gary! :o Crikey that looks very nasty. . . feeling very sad for you mate and your M. Must have been a shocking experience in the dark. :thumbsdown: Had a similar situation on my Daytona m/bike and thought me and my son had had it! Surprisingly similar injuries to yours (though the other party at least stayed with us at the accident and accepted fault).
Don't underestimate your injuries: I suggest you keep a record or diary of your injuries (including photos of the bruising). Also such body trauma can last a long while so a record of medical appointments and your pain and discomfort as well as time off work etc may be relevant in the future. Do ask your insurance company if you are eligible for accident and injury payments - after all the accident and all resulting injury, discomfort and trauma is caused by another's actions - you didn't choose to be in this condition. It's not just a question of money but of entitlement and reasonable return for the immediate and longer term hassle you face. Wonder if anyone can give further advice on this?
Such a serious incident - not surprised the police wish to follow up with the side-swiper. Finally, I hope you allow for any psychological impact on you - I know I had a few weeks of delayed shock which brought back replays of my incident at odd times (once when I was taking my first solo microflight which was a bit un-nerving!) and I'm not too proud to say a few tears as well (of relief at surviving to be honest) which hit me days later and totally unexpectedly.
In any event it'll be good to see you, probably at the Commando monument again, in the future when this is behind you and you're sorted. Once again really sorry to see your post and take care over the next few weeks :thumbsup:
Imola Red/Imola Red ///M (Ultimate fun), replaced 2008 3.0si Sport Stratus Grey/Piano black (Serious fun) replaced 2006 Silver Grey Facelift 2.0i Sport (terrific fun). MX5 for many years, TVR Chimaera and many motorbikes.
Image

User avatar
Ducklakeview
Lifer
Lifer
Posts: 6354
Joined: Tue Mar 22, 2016 4:08 pm
Location: Merseyside

News - All of it bad

Post by Ducklakeview » Tue Jan 23, 2018 9:54 pm

paulgs1000 wrote:
Tue Jan 23, 2018 9:19 pm
Only just seen this Gary! :o Crikey that looks very nasty. . . feeling very sad for you mate and your M. Must have been a shocking experience in the dark. :thumbsdown: Had a similar situation on my Daytona m/bike and thought me and my son had had it! Surprisingly similar injuries to yours (though the other party at least stayed with us at the accident and accepted fault).
Don't underestimate your injuries: I suggest you keep a record or diary of your injuries (including photos of the bruising). Also such body trauma can last a long while so a record of medical appointments and your pain and discomfort as well as time off work etc may be relevant in the future. Do ask your insurance company if you are eligible for accident and injury payments - after all the accident and all resulting injury, discomfort and trauma is caused by another's actions - you didn't choose to be in this condition. It's not just a question of money but of entitlement and reasonable return for the immediate and longer term hassle you face. Wonder if anyone can give further advice on this?
Such a serious incident - not surprised the police wish to follow up with the side-swiper. Finally, I hope you allow for any psychological impact on you - I know I had a few weeks of delayed shock which brought back replays of my incident at odd times (once when I was taking my first solo microflight which was a bit un-nerving!) and I'm not too proud to say a few tears as well (of relief at surviving to be honest) which hit me days later and totally unexpectedly.
In any event it'll be good to see you, probably at the Commando monument again, in the future when this is behind you and you're sorted. Once again really sorry to see your post and take care over the next few weeks :thumbsup:
Unfortunately, if the driver of the other car can't be traced, any claim for personal injury needs to be brought to the MIB, who is what a percentage of all of our insurance premiums are paid to!


Mike

User avatar
Sae
Senior Member
Senior Member
Posts: 2357
Joined: Wed Jul 08, 2009 7:34 pm

News - All of it bad

Post by Sae » Wed Jan 24, 2018 2:09 am

Whoollyymhoollyy, really glad youre on the road to recovery, could have been much worse.

Good luck with the insurance claim but at the end of the day its just money and a car, your health is worth so much more :thumbsup:
Z4MCoupe Sapphire Black

Z4M-2006
Lifer
Lifer
Posts: 6499
Joined: Fri Jun 29, 2012 7:53 am
Location: High Peak,Derbyshire.

News - All of it bad

Post by Z4M-2006 » Wed Jan 24, 2018 7:16 pm

Terrible....


Glad you walked away fella.

Get that offer as close to £20k as you can and get another coupe

dannytheduck1985
Member
Member
Posts: 774
Joined: Fri Aug 08, 2014 8:28 pm
Location: Sutton Coldfield

News - All of it bad

Post by dannytheduck1985 » Wed Jan 24, 2018 9:22 pm

Sorry to hear about the car.
Excuse my French but f**k me!!!!! Your a lucky man!!!!
If that was a roadster your chances of survival would of been slim.
84’ E28 Alpina B9
83’ VW B2 Passat CL
90’ Mercedes 300E-24
90’ Vauxhall Carlton GSI 3000 24V manual
85’ Opel Ascona Cabriolet

User avatar
abar121
Member
Member
Posts: 268
Joined: Tue Apr 26, 2011 9:14 pm

News - All of it bad

Post by abar121 » Wed Jan 24, 2018 11:19 pm

Sorry to hear this. Glad you are ok though.

You can get another car, even an M.

Best of luck.
'07 Z4M Interlagos Blue. All options except extended leather.

Post Reply