Sad day for my car

ArcticBlueM440i · 11-29-2023, 01:22 PM

Featured on BIMMERPOST.com

And I was about a week away from trading it in early for another bimmer. Rear-ended at a highway exit. Wonder if insurance totals it? Guess I'll find out in a few days...

Dan B · 11-29-2023, 02:13 PM

Ouch! Sorry to see that!

ArcticBlueM440i · 11-29-2023, 02:28 PM

Quote:

Originally Posted by Dan B

Ouch! Sorry to see that!

Me too!

Love this car, best I've ever owned, though I was ready to move on to a different BMW.

Cpatel · 11-29-2023, 05:21 PM

Damn. I got tboned on my 328 f30 by a red light runner.

Don’t settle for a low insurance payout if they total it. I got 4k more by arguing.
They have the match tbe local prices of a car with the same or similar specs as yours. They usually don’t cover custom parts.

Also look into an accident attorney. You could be fine now but some pain doesn’t show up til later (like for me). If you go this route, if the insurance company asks if you’re injured tell them that you have an accident attorney and do not want to answer any questions regarding that.

Good luck bro I’m sorry that happened. It fucking sucks

rundeyvoo · 11-30-2023, 12:19 AM

Quote:

Originally Posted by ArcticBlueM440i

And I was about a week away from trading it in early for another bimmer. Rear-ended at a highway exit. Wonder if insurance totals it? Guess I'll find out in a few days...

Ooof

Sorry this happened to you. Sucks that you were only a week away from trade in but glad you're safe though, that's all that matters.

ArcticBlueM440i · 11-30-2023, 05:45 AM

Quote:

Originally Posted by Cpatel

Damn. I got tboned on my 328 f30 by a red light runner.

Don’t settle for a low insurance payout if they total it. I got 4k more by arguing.
They have the match tbe local prices of a car with the same or similar specs as yours. They usually don’t cover custom parts.

Also look into an accident attorney. You could be fine now but some pain doesn’t show up til later (like for me). If you go this route, if the insurance company asks if you’re injured tell them that you have an accident attorney and do not want to answer any questions regarding that.

Good luck bro I’m sorry that happened. It fucking sucks

It's a lease so payout will just be early termination, if they total it. I could go after the other insurance for some loss of value since it was low mileage and had some lease equity.

Paul275 · 12-01-2023, 06:20 PM

First, hopefully you are ok. If the car is leased, have it repaired by an authorized BMW shop and just return it to BMW (if not totaled).
If you own the car, get an attorney as sue for Diminished Value, as the car will forever branded by the Carfax. You will need an attorney to do that.

jlapicki · 12-01-2023, 06:32 PM

Good advice from cpatel.....never settle for a quick payout.....

CGSNJ59 · 12-01-2023, 06:47 PM

As long as you are OK, nothing else really matters.

Where in NJ did it happen?

Lease equity is mostly non-existent these days. That was sometimes the case a year or two ago, not much anymore, and with the new car incentives BMW is offering across the board these days, the car almost certainly is worth less than the lease buyout.

I'm no expert, but does not look like a total.

Randy Johnson · 12-02-2023, 04:18 PM

I hope you are going to sue.

Fucken NJ sucks!!!

ArcticBlueM440i · 12-04-2023, 08:16 AM

Accident was actually in NY getting off the tappan zee. I agree probably not totalled but can see.some rear frame damage and the trunk mechanism got all messed up...we'll see if the convertible top is out of whack too. Could add up.
Actually had a deal to trade it early with a little bit of equity...not much though. It had low mileage.

GOLFFRR · 12-04-2023, 10:50 AM

ahhh man that sucks OP

ArcticBlueM440i · 12-05-2023, 07:24 PM

RIP car. You served me well! Enjoy your second life in Poland...or perhaps your engine will get another chance here in the USA.

ArcticBlueM440i · 12-15-2023, 12:37 PM

By the way, if anyone is curious how a rear-end turns into any easy total.
At the BMW collision center, some of the biggest line items:
Lower panel carbon fiber - 5k (looks like you can find these online for about 4k...so this isn't even that nuts)
Two rear sensors plus a bumper cover that also has a sensor - each 1k.
Muffler is 2500
Plus rear supports and a new trunk lid plus tons of smaller parts.
Plus 100+ hours of estimate labor...you can do the math there.

11-29-2023, 01:22 PM	#1
ArcticBlueM440i Private 38 Rep 87 Posts Drives: 24 iX, 21 m440i cvt (RIP) Join Date: Apr 2021 Location: NJ iTrader: (0)	Sad day for my car Featured on BIMMERPOST.com And I was about a week away from trading it in early for another bimmer. Rear-ended at a highway exit. Wonder if insurance totals it? Guess I'll find out in a few days... Attached Images
	Appreciate 3 GOLFFRR10867.00 EXE462104.50 madpistol1750.50 Tweet Quote

11-29-2023, 02:13 PM	#2
Dan B Lieutenant 319 Rep 425 Posts Drives: 2024 M440i xDrive Gran Coupe Join Date: Mar 2023 Location: Chicago NW Suburbs iTrader: (0)	Ouch! Sorry to see that!
	Appreciate 0 Quote

11-29-2023, 05:21 PM	#4
Cpatel Private First Class 40 Rep 180 Posts Drives: N26 328i Join Date: Oct 2018 Location: USA iTrader: (0)	Damn. I got tboned on my 328 f30 by a red light runner. Don’t settle for a low insurance payout if they total it. I got 4k more by arguing. They have the match tbe local prices of a car with the same or similar specs as yours. They usually don’t cover custom parts. Also look into an accident attorney. You could be fine now but some pain doesn’t show up til later (like for me). If you go this route, if the insurance company asks if you’re injured tell them that you have an accident attorney and do not want to answer any questions regarding that. Good luck bro I’m sorry that happened. It fucking sucks
	Appreciate 1 Usachampion189.50 Quote

12-01-2023, 06:20 PM	#7
Paul275 New Member 24 Rep 19 Posts Drives: Porsche 911 MT, 2021 BMW 330ix Join Date: Sep 2023 Location: CT iTrader: (0)	First, hopefully you are ok. If the car is leased, have it repaired by an authorized BMW shop and just return it to BMW (if not totaled). If you own the car, get an attorney as sue for Diminished Value, as the car will forever branded by the Carfax. You will need an attorney to do that.
	Appreciate 0 Quote

12-01-2023, 06:32 PM	#8
jlapicki Captain 622 Rep 783 Posts Drives: 2020 M340i Join Date: Apr 2008 Location: Baltimore MD iTrader: (0)	Good advice from cpatel.....never settle for a quick payout..... __________________ 2022 M440i Convertible - San Remo Green / Cognac 2021 Mazda 6 Signature - Machine Grey / Parchment 2020 M340i - Mineral White / Black - SOLD 2017 M2 - Alpine White / Black - SOLD 2001 e39 M5 - Titanium / Caramel - A "Keeper"
	Appreciate 0 Quote

12-01-2023, 06:47 PM	#9
CGSNJ59 Private 33 Rep 73 Posts Drives: 2021 BMW 330 X DRIVE Join Date: Sep 2021 Location: NJ iTrader: (0)	As long as you are OK, nothing else really matters. Where in NJ did it happen? Lease equity is mostly non-existent these days. That was sometimes the case a year or two ago, not much anymore, and with the new car incentives BMW is offering across the board these days, the car almost certainly is worth less than the lease buyout. I'm no expert, but does not look like a total.
	Appreciate 0 Quote

12-02-2023, 04:18 PM	#10
Randy Johnson M340i 403 Rep 1,008 Posts Drives: BMW M340i Join Date: Sep 2019 Location: South FLA iTrader: (1) Garage List 2021 BMW M340i [10.00]	I hope you are going to sue. Fucken NJ sucks!!!
	Appreciate 0 Quote

12-04-2023, 08:16 AM	#11
ArcticBlueM440i Private 38 Rep 87 Posts Drives: 24 iX, 21 m440i cvt (RIP) Join Date: Apr 2021 Location: NJ iTrader: (0)	Accident was actually in NY getting off the tappan zee. I agree probably not totalled but can see.some rear frame damage and the trunk mechanism got all messed up...we'll see if the convertible top is out of whack too. Could add up. Actually had a deal to trade it early with a little bit of equity...not much though. It had low mileage.
	Appreciate 0 Quote

12-04-2023, 10:50 AM	#12
GOLFFRR 10867 Rep 27,640 Posts Drives: GOLFFRR cart Join Date: Mar 2009 Location: we sell BMWs to "ALL" US states iTrader: (4)	ahhh man that sucks OP __________________ BEFORE YOU BUY YOUR NEXT BMW, EMAIL OUR GUY KOTE FIRST! Kote M Sales:Kotem@bmwofcamarillo.com Cell:805-368-9101 vipfinance@bmwofcamarillo.com for warranties!
	Appreciate 0 Quote

12-05-2023, 07:24 PM	#13
ArcticBlueM440i Private 38 Rep 87 Posts Drives: 24 iX, 21 m440i cvt (RIP) Join Date: Apr 2021 Location: NJ iTrader: (0)	RIP car. You served me well! Enjoy your second life in Poland...or perhaps your engine will get another chance here in the USA.
	Appreciate 0 Quote

12-15-2023, 12:37 PM	#14
ArcticBlueM440i Private 38 Rep 87 Posts Drives: 24 iX, 21 m440i cvt (RIP) Join Date: Apr 2021 Location: NJ iTrader: (0)	By the way, if anyone is curious how a rear-end turns into any easy total. At the BMW collision center, some of the biggest line items: Lower panel carbon fiber - 5k (looks like you can find these online for about 4k...so this isn't even that nuts) Two rear sensors plus a bumper cover that also has a sensor - each 1k. Muffler is 2500 Plus rear supports and a new trunk lid plus tons of smaller parts. Plus 100+ hours of estimate labor...you can do the math there.
	Appreciate 0 Quote