That's so sad to see - but so long as you and the OH are OK the rest can be dealt with.
I can't believe your insurer thinks it is beyond economical repair - bad as the damage looks surely it can't be that expensive to repair?
Has the insurer actually bothered to send someone to look at it?
I'm only wondering because my nephew had an accident last year and his "senior naval person often sitting on his rear" insurer didn't bother - they called his car a Cat S based on the photos he took on his 'phone. :headbang:
It took quite a while to find his car in the first place - it's an E46 manual 325i Sport Touring in Imola Red so pretty rare, although maybe less so than a 35i Z4 - but he loved it so he did a deal to keep the car. He got it fixed for what the insurer paid him including a new driver's wing on the undamaged side as the original was crusty, and it meant all the stone chips on the front got painted as well!
So now he has the same car in better condition than when he bought it at no additional cost, but it does have a Cat S marker (which should have been a Cat N, but his insurer doesn't understand the difference) :headbang:
Depending on your situation/viewpoint you might want to explore the option of keeping your car.
Good luck getting things sorted to your satisfaction anyway.
I can't believe your insurer thinks it is beyond economical repair - bad as the damage looks surely it can't be that expensive to repair?
Has the insurer actually bothered to send someone to look at it?
I'm only wondering because my nephew had an accident last year and his "senior naval person often sitting on his rear" insurer didn't bother - they called his car a Cat S based on the photos he took on his 'phone. :headbang:
It took quite a while to find his car in the first place - it's an E46 manual 325i Sport Touring in Imola Red so pretty rare, although maybe less so than a 35i Z4 - but he loved it so he did a deal to keep the car. He got it fixed for what the insurer paid him including a new driver's wing on the undamaged side as the original was crusty, and it meant all the stone chips on the front got painted as well!
So now he has the same car in better condition than when he bought it at no additional cost, but it does have a Cat S marker (which should have been a Cat N, but his insurer doesn't understand the difference) :headbang:
Depending on your situation/viewpoint you might want to explore the option of keeping your car.
Good luck getting things sorted to your satisfaction anyway.
. I hope it works out for you and you either get her back on the road, or get a fair payout for a replacement. As others have said, at least no damage to the important cargo.
