X3 hit hard(ish)

Alfisti · 11-06-2019, 10:19 AM

In a nutshell, sauntering along in a car park when a woman turned right at a T-section, ran very wide and absolutely nailed us (wife and kids in the car). She said her brakes failed, i suspect she hit the gas by mistake given the initial impact is on the front left and she hammers away until the rear left wheel. She did not slide into us, she hit us and continued to push once there was impact.

Regardless, I am getting a sense the insurance company is going to try and save this thing. I have replacement at about $20K with the wreck worth maybe $7K (engine is fine and only has 50,000 miles on it). So the tipping pint is circa $13K.

My concern is the b-pillar frame, it seemed to do a brilliant job but i am uneasy about driving the car again given it has received quite the whack.

Thoughts, feelings?

BayE30 · 11-06-2019, 10:44 AM

If the B pillar is pushed in, insurance will probably total the car out.

nyalpine90 · 11-06-2019, 10:53 AM

i believe if damage cost is 55% of car value, then its total.

1 new driver side wheel
1 driver side fender
1 driver side front door
1 driver side rear door

it may reach $10k with paint and labor

Alfisti · 11-06-2019, 11:05 AM

Quote:

Originally Posted by nyalpine90

i believe if damage cost is 55% of car value, then its total.

1 new driver side wheel
1 driver side fender
1 driver side front door
1 driver side rear door

it may reach $10k with paint and labor

Front end is screwed, wheels do not respond to steering input so something major is broken under there.

Red Bread · 11-06-2019, 11:13 AM

Glad everyone is okay. Is the rear fender smashed too? You're getting close on just bodywork, add in the steering arm and potentially more and you're very likely totaled.

Alfisti · 11-06-2019, 11:17 AM

Nah rear fender untouched, only just but it survived. She did a number on us for a car ark nudge!

Any feeling re. that b pillar? It's a touch exposed so did get a hit.

BayE30 · 11-06-2019, 11:18 AM

Quote:

Originally Posted by nyalpine90

i believe if damage cost is 55% of car value, then its total.

1 new driver side wheel
1 driver side fender
1 driver side front door
1 driver side rear door

it may reach $10k with paint and labor

NO insurance will TLV @ 55%. I work in the industry, the lowest percentage is 70% now, some will fix all the way to 90%.

Alfisti · 11-06-2019, 11:21 AM

Quote:

Originally Posted by SFCM3

NO insurance will TLV @ 55%. I work in the industry, the lowest percentage is 70% now, some will fix all the way to 90%.

Does the value of the wreck count? A sin my ham fisted maths above?

nyalpine90 · 11-06-2019, 11:22 AM

Quote:

Originally Posted by Alfisti

Front end is screwed, wheels do not respond to steering input so something major is broken under there.

most likely the insurance will total it.

The X3 did its job keeping your family safe!

nyalpine90 · 11-06-2019, 11:27 AM

Quote:

Originally Posted by SFCM3

NO insurance will TLV @ 55%. I work in the industry, the lowest percentage is 70% now, some will fix all the way to 90%.

no way i seen vehicles consider total like X3 OP posted.

theres no way vehicle with frame damage, that has rolled over 10x be safe to drive regardless.

TheMidnightNarwhal · 11-06-2019, 11:29 AM

Quote:

Originally Posted by nyalpine90

i believe if damage cost is 55% of car value, then its total.

1 new driver side wheel
1 driver side fender
1 driver side front door
1 driver side rear door

it may reach $10k with paint and labor

Wait what really? Why not total the car only if repairs are 100% of car value? At 55% aren't insurance loosing money if they are giving a higher payout due to car value than paying less to repair it...?

TheMidnightNarwhal · 11-06-2019, 11:30 AM

Quote:

Originally Posted by SFCM3

NO insurance will TLV @ 55%. I work in the industry, the lowest percentage is 70% now, some will fix all the way to 90%.

Still why not 100%? As I wrote above aren't they loosing money until it reaches 100%?

nyalpine90 · 11-06-2019, 11:33 AM

it all depends on state laws, so far i have seen 70%-80% actual cash value. Now that seem pretty high number. if car is worth $50k, the repairs cost $35k then how much is the car worth after repairs with an accident?

hellrotm · 11-06-2019, 11:48 AM

Quote:

Originally Posted by nyalpine90

i believe if damage cost is 55% of car value, then its total.

1 new driver side wheel
1 driver side fender
1 driver side front door
1 driver side rear door

it may reach $10k with paint and labor

That is more than $10k. There is also some suspension damage front left. Probably a new left rear wheel as well, going by the marks on the tire that lead to the wheel.

Alfisti · 11-06-2019, 11:55 AM

Quote:

Originally Posted by TheMidnightNarwhal

Still why not 100%? As I wrote above aren't they loosing money until it reaches 100%?

I figure because of the wreck value. The engine alone is worth quite a bit. So if the car is $20 to replace, insurance would prefer to cut me a cheque for $20k when the repairs and value of the wreck equal or even come close to the cost of cutting me said cheque. Remember the repairs process needs managing and is a cost unto itself.

That's my theory anyway.

Red Bread · 11-06-2019, 11:58 AM

I'm in Texas and we have 100% threshold. Yet I've had three cars totaled in the last four years, none of which were over three years old and only one had airbags deploy.

Burrcold · 11-06-2019, 12:02 PM

The salvage amount is subtracted from the total replacement cost. 30% is industry average for how much they can get at auction, therefore ~70% of total value is what it takes to get a car written off. I just went through this with a brand new Audi S5 Sportback.

TheMidnightNarwhal · 11-06-2019, 12:02 PM

Quote:

Originally Posted by Alfisti

I figure because of the wreck value. The engine alone is worth quite a bit. So if the car is $20 to replace, insurance would prefer to cut me a cheque for $20k when the repairs and value of the wreck equal or even come close to the cost of cutting me said cheque. Remember the repairs process needs managing and is a cost unto itself.

That's my theory anyway.

Wow makes sense, what a disgusting industry insurance is uh. So it is about money.

Alfisti · 11-06-2019, 12:06 PM

Quote:

Originally Posted by TheMidnightNarwhal

Wow makes sense, what a disgusting industry insurance is uh. So it is about money.

Well TBH, it is safer to not drive it again given the worry about the frame so it's not really disgusting if they lean towards write-offs no matter the motive.

TheMidnightNarwhal · 11-06-2019, 12:17 PM

Quote:

Originally Posted by Alfisti

Well TBH, it is safer to not drive it again given the worry about the frame so it's not really disgusting if they lean towards write-offs no matter the motive.

I agree to the point of frame damage where it makes it unsafe but sometimes it not damaged.

thebmw · 11-06-2019, 12:37 PM

Approximate 75%. But it varies from state-to-state and insurance company to insurance Company.

Wow, that lady was quite an idiot. I hope she received a big ticket. Hopefully, they take her off the road. Did she even apologize?

SteveinArizona · 11-06-2019, 12:39 PM

Quote:

Originally Posted by Burrcold

The salvage amount is subtracted from the total replacement cost. 30% is industry average for how much they can get at auction, therefore ~70% of total value is what it takes to get a car written off. I just went through this with a brand new Audi S5 Sportback.

Add in that there are always repairs that weren't visible originally so using less than 100% avoids the insurance company paying out more than 100%.

11-06-2019, 10:19 AM	#1
Alfisti Brigadier General 6503 Rep 3,032 Posts Drives: 2008 Saab 9-3 Combi Join Date: Nov 2014 Location: Toronto, Canada iTrader: (0)	X3 hit hard(ish) - will insurance try and repair it? In a nutshell, sauntering along in a car park when a woman turned right at a T-section, ran very wide and absolutely nailed us (wife and kids in the car). She said her brakes failed, i suspect she hit the gas by mistake given the initial impact is on the front left and she hammers away until the rear left wheel. She did not slide into us, she hit us and continued to push once there was impact. Regardless, I am getting a sense the insurance company is going to try and save this thing. I have replacement at about $20K with the wreck worth maybe $7K (engine is fine and only has 50,000 miles on it). So the tipping pint is circa $13K. My concern is the b-pillar frame, it seemed to do a brilliant job but i am uneasy about driving the car again given it has received quite the whack. Thoughts, feelings?
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11-06-2019, 10:44 AM	#2
BayE30 Lieutenant Colonel 1341 Rep 1,881 Posts Drives: 2011.75 E90 M3 ZCP Join Date: Jul 2014 Location: San Francisco iTrader: (5)	If the B pillar is pushed in, insurance will probably total the car out. __________________ I am never able to post pictures on forums, all my pics are on IG @baye30 https://www.instagram.com/baye30/ Current Garage - [2011 E90 M3 ZCP] [2005 E53 X5 3.0 Sport] [1988 E30 325IS 24V]
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11-06-2019, 10:53 AM	#3
nyalpine90 Lieutenant General 7433 Rep 11,843 Posts Drives: MY24 G01 AW Msport Join Date: Feb 2008 Location: L.I. NY iTrader: (4) Garage List 2016 BMW X4 [9.33]	i believe if damage cost is 55% of car value, then its total. 1 new driver side wheel 1 driver side fender 1 driver side front door 1 driver side rear door it may reach $10k with paint and labor
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11-06-2019, 11:13 AM	#5
Red Bread Major General 4463 Rep 9,160 Posts Drives: Smog machines Join Date: Oct 2008 Location: Austin, TX iTrader: (0)	Glad everyone is okay. Is the rear fender smashed too? You're getting close on just bodywork, add in the steering arm and potentially more and you're very likely totaled.
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11-06-2019, 11:17 AM	#6
Alfisti Brigadier General 6503 Rep 3,032 Posts Drives: 2008 Saab 9-3 Combi Join Date: Nov 2014 Location: Toronto, Canada iTrader: (0)	Nah rear fender untouched, only just but it survived. She did a number on us for a car ark nudge! Any feeling re. that b pillar? It's a touch exposed so did get a hit.
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11-06-2019, 11:33 AM	#13
nyalpine90 Lieutenant General 7433 Rep 11,843 Posts Drives: MY24 G01 AW Msport Join Date: Feb 2008 Location: L.I. NY iTrader: (4) Garage List 2016 BMW X4 [9.33]	it all depends on state laws, so far i have seen 70%-80% actual cash value. Now that seem pretty high number. if car is worth $50k, the repairs cost $35k then how much is the car worth after repairs with an accident?
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11-06-2019, 11:58 AM	#16
Red Bread Major General 4463 Rep 9,160 Posts Drives: Smog machines Join Date: Oct 2008 Location: Austin, TX iTrader: (0)	I'm in Texas and we have 100% threshold. Yet I've had three cars totaled in the last four years, none of which were over three years old and only one had airbags deploy.
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11-06-2019, 12:02 PM	#17
Burrcold Brigadier General 5323 Rep 3,962 Posts Drives: 2024 M3 Comp xDrive Join Date: Oct 2019 Location: Toronto, Canada iTrader: (0)	The salvage amount is subtracted from the total replacement cost. 30% is industry average for how much they can get at auction, therefore ~70% of total value is what it takes to get a car written off. I just went through this with a brand new Audi S5 Sportback.
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11-06-2019, 12:37 PM	#21
thebmw Post Advisor 1634 Rep 1,695 Posts Drives: More Manuals than Automatics Join Date: Feb 2010 Location: Illinois iTrader: (10)	Approximate 75%. But it varies from state-to-state and insurance company to insurance Company. Wow, that lady was quite an idiot. I hope she received a big ticket. Hopefully, they take her off the road. Did she even apologize?
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