Stolen and recovered

GFK007 · 07-20-2021, 08:57 PM

Featured on BIMMERPOST.com

Hi guys,

Appreciate this is a random one, but could use a sounding board.

A family member had their car stolen out of their driveway (in the NY tri-state), and the car was recovered a week later in Detroit.

When found, was carrying drugs and weapons (seriously), but the insurance company claims is that all it needs is an "interior detail."

Subsequent family obviously does not want the car back, but the insurance company is pushing hard for him to take it.

Anyone have any advice / experience with a similar situation?

Thanks!

onfireX5 · 07-20-2021, 09:12 PM

Possibly applicable.

https://www.bankrate.com/insurance/c...d-value-claim/

GFK007 · 07-20-2021, 09:25 PM

Quote:

Originally Posted by onfireX5

Possibly applicable.

https://www.bankrate.com/insurance/c...d-value-claim/

Thanks. Apparently it's unmarked - but that's per the adjuster.

Market value per a quick google has probably fallen 30-40%. Car was brand new.

A complete pain in the ass.

bmwmdistrict · 07-20-2021, 09:49 PM

Wow that's horrible. I obviously wouldn't want the car back either, you have no idea what went down with it while it was stolen.

Have you considered getting a lawyer involved?

GFK007 · 07-20-2021, 09:51 PM

Quote:

Originally Posted by bsm.m4

Wow that's horrible. I obviously wouldn't want the car back either, you have no idea what went down with it while it was stolen.

Have you considered getting a lawyer involved?

Am thinking we may have no choice. Was my Dad's car.

Would just be creepy to have it back in some respects.

bmwmdistrict · 07-20-2021, 09:56 PM

Quote:

Originally Posted by GFK007

Quote:

Originally Posted by bsm.m4

Wow that's horrible. I obviously wouldn't want the car back either, you have no idea what went down with it while it was stolen.

Have you considered getting a lawyer involved?

Am thinking we may have no choice. Was my Dad's car.

Would just be creepy to have it back in some respects.

So wait has your car had any diminished value according to your car insurance provider? Is there anything on the history that says this incident occurred?

If you absolutely don't want to keep it, just sell it to vroom/carmax/carvana. You'll probably get nearly what you paid for it, maybe more in this market.

Otherwise get it professionally detailed. A thorough inspection at a dealer could also help give you some peace of mind.

Just throwing out ideas.

GFK007 · 07-20-2021, 10:06 PM

Quote:

Originally Posted by bsm.m4

Quote:

Originally Posted by GFK007

Quote:

Originally Posted by bsm.m4

Wow that's horrible. I obviously wouldn't want the car back either, you have no idea what went down with it while it was stolen.

Have you considered getting a lawyer involved?

Am thinking we may have no choice. Was my Dad's car.

Would just be creepy to have it back in some respects.

So wait has your car had any diminished value according to your car insurance provider? Is there anything on the history that says this incident occurred?

If you absolutely don't want to keep it, just sell it to vroom/carmax/carvana. You'll probably get nearly what you paid for it, maybe more in this market.

Otherwise get it professionally detailed. A thorough inspection at a dealer could also help give you some peace of mind.

Just throwing out ideas.

Thanks man. It's literally sitting in a lot in Detroit. Heard back today that it needs an "interior detail," but to your point the car was found with guns and drugs in it, so god knows what else happened in it.

I would think the value has been crushed, as presumably "stolen and recovered," will come up when the VIN is searched.

I'm going to suggest fighting it on the basis of a big mileage increase as well.

Razel · 07-21-2021, 02:54 PM

"Interior detail"?
Oy. Kind of like they need to completely re-assemble the interior after the initial search for and removal of the drugs. I'd get detailed pictures of the interior just in case you can provide that the work required is more than just an "interior detail". You might also insist that the interior be declared drug-free just in case other "residue" shows up later potentially causing further grief.

08mojo · 07-22-2021, 08:07 AM

Perhaps it's state by state, but here in GA if a car is stolen and then recovered the car will forever have a salvage title.

GFK007 · 07-22-2021, 10:49 AM

Quote:

Originally Posted by 08mojo

Perhaps it's state by state, but here in GA if a car is stolen and then recovered the car will forever have a salvage title.

Interesting. In other words, the value is shot. Seems awfully unfair that the insurance co can make you eat what could be a ~40% loss in value.

bates1325 · 07-22-2021, 01:23 PM

literally the same thing happened to me in Miami back in December. used a device to replicate my key and took it for a night out and dumped it nearby. No damage to the exterior but they made a huge mess out of the interior. Left loaded mags and stuff in the car.

I did a police report just to keep my bases covered in case the car was used for a crime / any red light issues. Insurance wasn't going to do shit so I just paid to have the car completely detailed. Thankful they didn't try to refuel since I was running the E85 tune haha. (car ended up being totaled by a dumbass two weeks later)

EDIT: Forgot to mention car fell of the tow truck after the accident. So yes Fate did not want me to have that car

f82fanatic · 07-22-2021, 01:30 PM

Quote:

Originally Posted by bates1325

literally the same thing happened to me in Miami back in December. used a device to replicate my key and took it for a night out and dumped it nearby. No damage to the exterior but they made a huge mess out of the interior. Left loaded mags and stuff in the car.

I did a police report just to keep my bases covered in case the car was used for a crime / any red light issues. Insurance wasn't going to do shit so I just paid to have the car completely detailed. Thankful they didn't try to refuel since I was running the E85 tune haha. (car ended up being totaled by a dumbass two weeks later)

Wow. What a turn of events!

kyleb350 · 07-22-2021, 03:07 PM

Quote:

Originally Posted by bates1325

literally the same thing happened to me in Miami back in December. used a device to replicate my key and took it for a night out and dumped it nearby. No damage to the exterior but they made a huge mess out of the interior. Left loaded mags and stuff in the car.

I did a police report just to keep my bases covered in case the car was used for a crime / any red light issues. Insurance wasn't going to do shit so I just paid to have the car completely detailed. Thankful they didn't try to refuel since I was running the E85 tune haha. (car ended up being totaled by a dumbass two weeks later)

Talk about fate not wanting you to have that car.

cfm56d7b · 07-23-2021, 04:02 PM

Quote:

Originally Posted by GFK007

Interesting. In other words, the value is shot. Seems awfully unfair that the insurance co can make you eat what could be a ~40% loss in value.

This is definitely one conversation worth having with an attorney. Because the car has been used for transporting certain substances, the question is whether these substances can be detected later during a traffic stop (police dog).

I lived in 914 area code some time ago.

Does NY State law allow you to decline to take the car back for specific reasons?

X3mcesq · 07-23-2021, 04:49 PM

Quote:

Originally Posted by cfm56d7b

Quote:

Originally Posted by GFK007

Interesting. In other words, the value is shot. Seems awfully unfair that the insurance co can make you eat what could be a ~40% loss in value.

This is definitely one conversation worth having with an attorney. Because the car has been used for transporting certain substances, the question is whether these substances can be detected later during a traffic stop (police dog).

I lived in 914 area code some time ago.

Does NY State law allow you to decline to take the car back for specific reasons?

X3M attorney here. OP private message me for a discussion. But i would not worry about being stopped/getting burnt for drugs previously in the car (that's not a thing) and I would suggest an alternative route for handling this with insurance which I don't care to post on here publicly

I am in NY. This is not (yet) legal advice

Yim · 07-23-2021, 05:31 PM

Sheesh. Sounds like something out of a movie

GFK007 · 07-24-2021, 11:02 AM

Waiting to see the car before doing anything. It's being flat bedded from Detroit.

The dealer I bought it from, thinks I can sell it before the title becomes dirty. We'll see. I know for certain I don't want it back.

07-20-2021, 08:57 PM	#1
GFK007 Captain 374 Rep 785 Posts Drives: 2014 m235i Join Date: Jan 2011 Location: Westchester, NY iTrader: (0)	Stolen and recovered Featured on BIMMERPOST.com Hi guys, Appreciate this is a random one, but could use a sounding board. A family member had their car stolen out of their driveway (in the NY tri-state), and the car was recovered a week later in Detroit. When found, was carrying drugs and weapons (seriously), but the insurance company claims is that all it needs is an "interior detail." Subsequent family obviously does not want the car back, but the insurance company is pushing hard for him to take it. Anyone have any advice / experience with a similar situation? Thanks! __________________ MG on CR M235i, mods to come... (gone but not forgotten) 2011 e90 M Sport - M-Tech Carbon Diffuser, OEM Carbon Trunk Spoiler, 20% tint, black reflectors, black OEM grille, LUX white Angel Eyes.
	Appreciate 1 new2the3377.50 Tweet Quote

07-20-2021, 09:12 PM	#2
onfireX5 Brigadier General 3618 Rep 4,532 Posts Drives: F90M5,F85X5M Join Date: Jul 2015 Location: Va iTrader: (0)	Possibly applicable. https://www.bankrate.com/insurance/c...d-value-claim/
	Appreciate 0 Quote

07-20-2021, 09:49 PM	#4
bmwmdistrict Major 908 Rep 1,044 Posts Drives: 2020 X3M Join Date: Nov 2018 Location: NoVa iTrader: (10) Garage List 2020 BMW X3MC [10.00]	Wow that's horrible. I obviously wouldn't want the car back either, you have no idea what went down with it while it was stolen. Have you considered getting a lawyer involved? __________________ Rob \| instagram 2020 F97 X3 ///M Donington Grey 2018 G01 X3 xDrive30i Alpine White Previous: 2016 F82 ///M4 Black Sapphire Metallic \| My Build Thread
	Appreciate 0 Quote

07-21-2021, 02:54 PM	#8
Razel Rider and driver 141 Rep 506 Posts Drives: '21 X3MC Join Date: Feb 2011 Location: Oregon City, OR iTrader: (0)	"Interior detail"? Oy. Kind of like they need to completely re-assemble the interior after the initial search for and removal of the drugs. I'd get detailed pictures of the interior just in case you can provide that the work required is more than just an "interior detail". You might also insist that the interior be declared drug-free just in case other "residue" shows up later potentially causing further grief. __________________ 2021 X3 MC I work for Keyser Söze
	Appreciate 0 Quote

07-22-2021, 08:07 AM	#9
08mojo Private 77 Rep 86 Posts Drives: 2018 M3 Join Date: Mar 2018 Location: Atlanta iTrader: (0)	Perhaps it's state by state, but here in GA if a car is stolen and then recovered the car will forever have a salvage title.
	Appreciate 0 Quote

07-22-2021, 01:23 PM	#11
bates1325 2021 X3MC 258 Rep 779 Posts Drives: X3MC / R8V10 Gated Join Date: Feb 2011 Location: MIAMI iTrader: (1) Garage List 2021 BMW X3MC [0.00]	literally the same thing happened to me in Miami back in December. used a device to replicate my key and took it for a night out and dumped it nearby. No damage to the exterior but they made a huge mess out of the interior. Left loaded mags and stuff in the car. I did a police report just to keep my bases covered in case the car was used for a crime / any red light issues. Insurance wasn't going to do shit so I just paid to have the car completely detailed. Thankful they didn't try to refuel since I was running the E85 tune haha. (car ended up being totaled by a dumbass two weeks later) EDIT: Forgot to mention car fell of the tow truck after the accident. So yes Fate did not want me to have that car __________________ 2021 X3MC Black / Black My Engine Table Designs -> https://www.instagram.com/tombatesdesign/ Last edited by bates1325; 07-23-2021 at 08:10 AM..
	Appreciate 0 Quote

07-23-2021, 05:31 PM	#16
Yim Registered 2 Rep 3 Posts Drives: X3m Join Date: Jul 2021 Location: Texas iTrader: (0)	Sheesh. Sounds like something out of a movie
	Appreciate 0 Quote

07-24-2021, 11:02 AM	#17
GFK007 Captain 374 Rep 785 Posts Drives: 2014 m235i Join Date: Jan 2011 Location: Westchester, NY iTrader: (0)	Waiting to see the car before doing anything. It's being flat bedded from Detroit. The dealer I bought it from, thinks I can sell it before the title becomes dirty. We'll see. I know for certain I don't want it back. __________________ MG on CR M235i, mods to come... (gone but not forgotten) 2011 e90 M Sport - M-Tech Carbon Diffuser, OEM Carbon Trunk Spoiler, 20% tint, black reflectors, black OEM grille, LUX white Angel Eyes.
	Appreciate 0 Quote