[535_BiTurbo]

Originally Posted by Stück

17 year old kid still on his learners permit blew a red light because he was looking down at his phone, driving a car that wasn't his and he wasn't insured on. Clipped my left front at road speed perpendicular to me, and then whipped around slapping my drivers quarter panel and rear door.

Four airbags deployed. Drivers roof, seat, knee and wheel. Car is without a doubt totaled. I'm beyond pissed right now.

Kids family (like 8 to 10 of them) showed up within minutes and just told him not to say anything to the cops, but not before he'd already stated he was looking down at the phone and knew he ran the red.... I'm sure this one is going to be an uphill battle with insurance.

Do you have uninsured motorist? Why do you think its totaled?

[Quicksilv3r]

Originally Posted by 535_BiTurbo

Do you have uninsured motorist? Why do you think its totaled?

The photos he provided indicate possible frame damage, add to that the cost of replacing all the bags that blew, body panels, suspension components, paint, etc. and those costs quickly add up to a figure that outweighs the vehicle's current value.

[BMW550AD]

This hurts to look at. Sorry man. I can feel your pain. Similar thing happened on the first ever (and still one of my favorite) cars I owned. 1991 Acura Integra...

Good luck with your insurance and as everybody else said at least there were no serious injuries.

[Stück]

Insurance adjuster came out this morning, its officially totaled. Still awaiting valuation and offer on the vehicle. I presented the adjuster with a slew of material regarding the accessories on the vehicle to take into consideration.

2 headlamps, 2 fenders, hood, front bumper, lip spoiler is $8k on its own.

Front subframe, steering rack, 2 control arms, spindle, wheel hub and 2 wheels is another $8k.

and that is only skin deep. Headlining, 4 airbags, all of the cooling system that is bent and broken, metric tons of plastic "stuff" behind the bumper, and who knows what else once torn down.

[AMT92]

That's a total, I could tell from the first photo. Sorry to see this man, and all before you could get the PS2 really dialed in.

[Stück]

Insurance finally came back to me with a number, they are offering $28k for the car without anything additional considered as of yet as *dun dun dun* it already exceeds the shitbirds minimum liability coverage policy limits of $25k.

Now I get to file with my own collision insurance (same company) and let them handle internal subrogation.

[TJBentley]

Originally Posted by Stück

Insurance finally came back to me with a number, they are offering $28k for the car without anything additional considered as of yet as *dun dun dun* it already exceeds the shitbirds minimum liability coverage policy limits of $25k.

Now I get to file with my own collision insurance (same company) and let them handle internal subrogation.

That's not so bad TBH considering they give you some additional money for the extra mods. Soooo in that case what's up with those rims

[Stück]

Yeah I'm happy with the base valuation, less than thrilled that I now have to pursue getting paid through my own insurance.

Either insurance is going to pay a fair value for the add ons or they aren't getting them, I can strip and gut the car in a day on a lift at work and they can pick it up sitting on its rotors for all I care.

The wheels should I be poised to retain the parts, or the salvage will likely be for sale. Both left side wheels have bent barrels from hitting debris in the road in weeks preceding this but I already have new barrels on the way from BC. The left rear has some black scuffs, paint transfer on a spoke or two but nothing that wont wipe off IMO.

To be entirely honest I'd prefer they offer high and just take the car, but I'm not in the business of getting fucked and not afraid to be a thorn in an adjusters side if I need to be. This isn't what I wanted and I'm damn sure not going to take a bath because some kid was too busy playing on his phone to drive. Some prorating/depreciation is expected and acceptable but if they don't settle with me on a sufficient number the kid and his family are going to get served with a lawsuit on top of it all.

AC Schnitzer lowering springs
H&R anti roll bars
BC Forged HC-S03 Wheels 20x9 20x10.5
Michelin P4S tires, 255/35R20 F, 285/30R20 R

AFE Engine Air Intake
Evolution Raceworks Downpipe
FTP Motorsports Chargepipe, cold side (damaged)
FTP Motorsports Chargepipe, hot side (damaged)
Wagner Intercooler (damaged)
Pure Stage 2 Turbocharger
GFB Diverter Valve
Custom fabricated one-off turbo inlet pipe
Precision Raceworks Stage2 LPFP


Bavsound Component 12 Speaker Set
Bavsound Premium Amplifier

6WB - Digital Kombi Instrumentation
4U1 - Ceramic controls (Shifter)
4U1 - Ceramic controls (AC control panel)
LCI MSport Heated Steering Wheel
M5 DCT paddle shifters
MPerformance Exhaust System
MPerformance Front spoiler (damaged)
MPerformance Pedals


Last picture I took of the car, 2-3 days before the accident, after installing a new BMW MPerformance front spoiler on the car. <3

[TJBentley]

Didn't know you had bavsound speakers and amp. You should take that out and sell on the side they wouldn't know. Interested in the speaker set if you do

[paul223]

Man, a terrible loss for the time, money, and effort you had with this car. I am glad you are ok physically.

[Stück]

Feeling slightly better about the situation this evening.

[ezaircon4jc]

Originally Posted by Stück

Feeling slightly better about the situation this evening.

Ahhh... Can easily see how that could ease the pain. Just have to get rid of that plate that is blocking the intercooler!

[Stück]

Originally Posted by ezaircon4jc

Ahhh... Can easily see how that could ease the pain. Just have to get rid of that plate that is blocking the intercooler!

Definitely will get rid of the plates once I get everything settled and change the registration over. Intercoolers are air to water in the engine bay and don't really care of they get fresh air on them or not

Car is proper quick. Once the dust settles it's going to get downpipes and Mission Performance Stage 2 flash. 700+hp yes please.

[wcr3d]

On nice new toy, that should help a lot.
One thing I have always wanted to know,
especially going from the 535i to m5.
Is it really that much better?

[.BMW.]

Originally Posted by Stück

Feeling slightly better about the situation this evening.

Very nice upgrade, congrats.

[AlpineWhite_F10]

I'm very unhappy of your fact I was looking at your project from beginning.. I know its too hard to see how your work crashes at pieces.. but hope you're okay..

[Ickdeep]

Originally Posted by Stück

Feeling slightly better about the situation this evening.

Congratz on the new car (Sorry to see it happened that way) but I know you are going to make this car as good as you built the 535i. Best of luck man!

[TTG]

Stuck,

So sorry to hear about the car but glad to hear that you are ok. That poor car just had bad luck I guess. I have been following your progress from the beginning and have always envied your car.

New project looks very cool.

Keep us posted on your dealing with the insurance company.

GL

[bake]

Congrats on the M5 man. I'm sure you will get the settlement of your 535i sorted out and won't miss it for too much longer with the new car in your garage. Can't wait to see what you do with this one.

[Stück]

Dismantling is almost complete, check the Member Classifieds for goodies still available.

The offer from insurance was less than I'd hoped for, since it ended up resting soley on my own policy due to woefully inadequate coverage of the other party (who would have thought.....) they would not pay me for any of my mods/upgrades. The basis car valuation was fair though, and I chose to retain the salvage off the top of that payment so I could dismantle an sell off items and bridge some of the gap between what I felt the car was worth upgrades taken into account, and what they were actually able to pay out.

There is a lot that I cannot recover however in parts that were destroyed or otherwise not tangible. Teen driver and his parents will be served with a demand letter and a pending small claims suit in attempts to recover those losses.

[RMNB]

WOW! Where do you start on this one? For starters I'm an agent. Kids- they suck! Cell phones - suck! Insurance settlement - sucks even worse!. Good thing is that you're ok except for that burn.

Best outcome - M5...looks sick! Good for you! Blessing in disguise. I will back you on the small claims court deal... I would have done that exact same except biggie size the pain-n-suffering bs. Any attorney should swing for the fence on this but ...everyone is different. I've been doing the Ins gig for 20+ years and still hate insurance companies!! Necessary evil I suppose but it pays for my BMW's so what are you gonna do....

Good luck with this crap. Sucks I know but at least you have your ballz.

[j3bbe]

Originally Posted by Stück

Feeling slightly better about the situation this evening.

GREAT News!!! glad your BackOnTheRoadAgain What a smashing new car!