Owner for 5 days. Passenger side totalled!
- Thread starter Nuts
- Start date
Oh dear that's awful. Very sorry for you. Let us know the outcome.
BMW is my insurance. It will be the other guy's corporate insurance that will be paying I imagine won't it? The Izuzu 4x4 truck he was driving was his company car.
Just registered it with the Police because my neighbour said the insurance company wouldn't look too favourably if I didn't.
Just registered it with the Police because my neighbour said the insurance company wouldn't look too favourably if I didn't.
Thanks everyone. Nice to have so much empathy.
Stressing myself out on a Saturday night of all nights though. Reading up about insurers paying out bottom book for write-off cars.
The fact is I bought the car as Approved Used from a main BMW dealer with full BMW service history, 12months warranty with low mileage and A1 condition (£10,486). I'm concerned they'll offer me £9k-ish and not take into account the fact it came from BMW and therefore should command a better residual.
Looking on Autotrader, I can only find independents selling similar spec, age, condition for £10,500 upwards. BUT, I don't want to replace it with anything other than an Approved Used BMW from BMW.
What does everybody think? How can I prepare myself fro a battle?
Stressing myself out on a Saturday night of all nights though. Reading up about insurers paying out bottom book for write-off cars.
The fact is I bought the car as Approved Used from a main BMW dealer with full BMW service history, 12months warranty with low mileage and A1 condition (£10,486). I'm concerned they'll offer me £9k-ish and not take into account the fact it came from BMW and therefore should command a better residual.
Looking on Autotrader, I can only find independents selling similar spec, age, condition for £10,500 upwards. BUT, I don't want to replace it with anything other than an Approved Used BMW from BMW.
What does everybody think? How can I prepare myself fro a battle?
Get BMW to give you a list of cars they could replace it with, they will be top dollar.
south yorkshire
Gutted for u!
What a terrible mess and so soon after buying. Feel gutted for you.
Write off or not will be entirely down to how the assessor is feeling and the guidelines he's been asked to work to. This could go either way depending more on 1) how long he feels it will take to do ( hire car,etc.) 2) amount if any of deeper damage. 3) how he wants to sway it - saying it needs a new bonnet, or not, etc.
Panels themselves are easy to fit on and respray.
Write off or not will be entirely down to how the assessor is feeling and the guidelines he's been asked to work to. This could go either way depending more on 1) how long he feels it will take to do ( hire car,etc.) 2) amount if any of deeper damage. 3) how he wants to sway it - saying it needs a new bonnet, or not, etc.
Panels themselves are easy to fit on and respray.
I wouldn't want to see my zed looking like that after 18 months of ownership,never mind only 5 days.
You were only in the honeymoon period where you would drive it 24/7 if you could.
It's so sad that your joy only lasted 5 days,and your newbie posts bring such bad news.
You got the all clear from the check-up at A & E regarding your back pain?
I had my motorbike nicked in less than a week of ownership when I was 16
You were only in the honeymoon period where you would drive it 24/7 if you could.
It's so sad that your joy only lasted 5 days,and your newbie posts bring such bad news.
You got the all clear from the check-up at A & E regarding your back pain?
I had my motorbike nicked in less than a week of ownership when I was 16
jampudding
Member
I have to agree with other posters that have suggested that you are better off with it being written off. I should imagine that a very small mis-alignment, that is imperceptible, would allow water to drip into the cabin around the roof.
Hope it all works well for you. I had a car written off once, I knew that I wouldn't get its market value, but the injury payment made up the shortfall luckily.
Hope it all works well for you. I had a car written off once, I knew that I wouldn't get its market value, but the injury payment made up the shortfall luckily.
Half Colin
Senior member
OMG - really feel for you. But at the end of the day you are OK which is the main thing.
FunkyMunky
Member
Nuts said:
Having only just bought the car, the invoice price will be very accurate for you to fight as your insurance valuation.
Sure you'll get offered a Glasses/CAP valuation but you reject it on the basis your car is insured at market value and you need that figure to replace the car for an identical age / mileage etc car.
I got £1200 more than I paid for my Z and £2200 more than offer number 1 through being persistent - 7 used adverts of identical cars amongst other bits. They were initially telling me that I couldn't profit from my accident and that at best I could have what I paid for the car (bought it 3 weeks before the accident at the start of summer when prices were rising)
Hope all gets sorted quickly and easily for you
FunkyMunky said:
I got £2400 for our 03 plate 206 that cost me £1750. Same method, they initially offered daughter £1300 for it (she and SWMBO were well briefed to tell them to feck off with their initial offer) and there wasn't a car close to the mileage ours had on auto trader. The nearest was 10k more miles and 1k higher price but at a dealer with warranty etc. once they realise you're not backing down they come up with the sensible offers.
I hope you don't have to mess about over a 5 day old car though
I'm no expert but agree with others when pillars are damaged it can be an uneconomical cost to repair...
My m3 was involved in an accident on the motorway 6 months after I bought it new. The old bugger pulled right into my lane as I was side by side to him. Ended up going into the central reservation and into a series of mad 360's. Like someone mentioned a 3rd party got involved and paid for the car to be fixed and I got another m3 as a loan car. Took 6 weeks to fix.
I feel for you as I know how that feels but he liability has been admitted so you call the shots.
My m3 was involved in an accident on the motorway 6 months after I bought it new. The old bugger pulled right into my lane as I was side by side to him. Ended up going into the central reservation and into a series of mad 360's. Like someone mentioned a 3rd party got involved and paid for the car to be fixed and I got another m3 as a loan car. Took 6 weeks to fix.
I feel for you as I know how that feels but he liability has been admitted so you call the shots.