Second accident in 2 month

shark · 12-30-2011, 08:33 PM

Hi guys,

I am having a bad luck and a couple of days ago I had my second accident in 2 month. This time someone backed into my parked car and smashed the front passenger fender and a little bit of front passenger door. I was lucky to catch the guy who did this and he admitted the fault. His insurance supposed to cover the damage but they don't want to cover the cost for OEM fender.
Also, their adjuster saying that the fender can be repaired or replaced and painted and the door also need to be repainted to blend the color. The question is what will be the better option? Repair or replace the fender? And if the insurance won’t cover OEM fender what are the options? The car is 2007328i sedan. They are saying that the car is too old for OEM parts.

MrXia8 · 12-30-2011, 08:44 PM

Just bring it to a BMW Certified Collision center and have them deal with the insurance. Best of luck to you...

Soliditude · 12-30-2011, 08:48 PM

Always best to get a new part rather than have the old repaired. The damage will be slightly visible no matter how well it's done. New part will be OEM and will look like nothing ever happened. Especially for a Bimmer. Best of luck to you, man.

Joe- · 12-30-2011, 09:05 PM

Quote:

Originally Posted by shark

Hi guys,

I am having a bad luck and a couple of days ago I had my second accident in 2 month. This time someone backed into my parked car and smashed the front passenger fender and a little bit of front passenger door. I was lucky to catch the guy who did this and he admitted the fault. His insurance supposed to cover the damage but they don't want to cover the cost for OEM fender.
Also, their adjuster saying that the fender can be repaired or replaced and painted and the door also need to be repainted to blend the color. The question is what will be the better option? Repair or replace the fender? And if the insurance won’t cover OEM fender what are the options? The car is 2007328i sedan. They are saying that the car is too old for OEM parts.

Atleast you caught the guy someone backed into my bumper with a toe hook never found out who did it, they damaged the bumper, Grille and chipped the hood, I haven't found out yet what the repair will cost but I ordered the bumper already and Grille not sure what the repair on the hood will be but I am assuming it can be repaired.

http://insaneimg.com/?v=photo11.jpg
http://insaneimg.com/?v=photo21.jpg

nukezero · 12-30-2011, 09:27 PM

why are you dealing with their insurance?

deal with YOUR insurance, get your adjuster. File a police report. then your insurance deals with their insurance.

the name of the game is to put you back into the same condition you was in before the accident. that includes the use of whatever original, OEM part that was on there.

wait, you are not an uninsured motorist are you?????

3s4u2 · 12-30-2011, 09:32 PM

Quote:

Originally Posted by MrXia8

Just bring it to a BMW Certified Collision center and have them deal with the insurance. Best of luck to you...

+ 1 and tell them you only want it repaired BMW Certified Collision center. Then you ask them about the resale value of a wecked BMW...

shark · 12-30-2011, 09:56 PM

Quote:

Originally Posted by nukezero

why are you dealing with their insurance?

deal with YOUR insurance, get your adjuster. File a police report. then your insurance deals with their insurance.

the name of the game is to put you back into the same condition you was in before the accident. that includes the use of whatever original, OEM part that was on there.

wait, you are not an uninsured motorist are you?????

i opened the claim the next day after the accident with my insurance also and my insurance claim adjuster recommended to deal directly with at-fault insurance company directly. In this case i will not have to pay deductible.
He told me yesterday that the other driver admitted the fault and if i have any problems in the future to just let him know. i just don't know if it's better to deal with my insurance or directly with at-fault insurance.

Anyway, thank you guys for your reply's, this really give me some ideas.

Bimmer84 · 12-30-2011, 11:28 PM

Deal with your own insurance. That is why you have it. His insurance pays your deductible...

darebornsolja · 12-30-2011, 11:47 PM

In the same boat, had 2 accidents within 2 months, 1st time the lady didn't have insurance, my attorney is going after her hard, 2nd one just occurred 3 days ago in the 10e freeway guy side swiped me on the left quarter panel and cracked my bbs lm's and f'ed up left side -_- soo annoyed because we have the same insurance company so they are probably going to try to low ball but I have my attorney on this case as well. It always helps to have an attorney to make them replace oem parts, I'm hoping my car is totaled so I can just upgrade,,,

bimmercub · 12-31-2011, 12:03 AM

take it to the dealer and have them fight for you. They did with me for the the amount of 9,700.00, they got my back 100% against my own state farm insurance, I have a almost new engine.

deadmn1337 · 12-31-2011, 02:59 PM

don't settle for anything less than full replacement with genuine parts.

Zebra99 · 01-01-2012, 12:42 PM

Using non OEM parts will just devaluate your car and cause fitment issues. I would fight for OEM parts and proper repair. Best thing to do is get an independent appraisal/estimate.

If your in U.S. you deal with the at-fault insurer and Canada is your own insurer.

If you have specific questions please pm me. I'm an adjuster and can help you out.

lonamuller19 · 01-12-2012, 12:45 AM

In your place, I would have my insurance company take care of all the damages. They will fix it up and charge you a deductible, but then go after the other party, retrieve the money, and repay you the deductible. Less hassle this way, and as long as they get compensated, your provider will not raise your car insurance quote.

JonDiesel@ColemanAutobody · 01-13-2012, 08:52 AM

definitely OEM parts. all BMW CCRC's must abide by this and are not allowed (per bmw NA) to use non OEM parts. replace is better than repair, if they do a nice job it will be undetectable repair.

catcher22 · 01-13-2012, 02:37 PM

Quote:

Originally Posted by shark

my insurance claim adjuster recommended to deal directly with at-fault insurance company directly.

Seriously? I hear this more and more often, but have never been asked to take that course of action. Last accident 6 months ago (recent) which was not my fault, I never ONCE spoke to the other insurance company. Never paid a dime.

Push for OEM parts. They will push back.

tofu- · 01-13-2012, 02:41 PM

Quote:

Originally Posted by Soliditude

The damage will be slightly visible no matter how well it's done.

shouldn't be

12-30-2011, 08:33 PM	#1
shark Enlisted Member 3 Rep 36 Posts Drives: E90 328i Join Date: May 2005 Location: San Diego iTrader: (0)	Second accident in 2 month Hi guys, I am having a bad luck and a couple of days ago I had my second accident in 2 month. This time someone backed into my parked car and smashed the front passenger fender and a little bit of front passenger door. I was lucky to catch the guy who did this and he admitted the fault. His insurance supposed to cover the damage but they don't want to cover the cost for OEM fender. Also, their adjuster saying that the fender can be repaired or replaced and painted and the door also need to be repainted to blend the color. The question is what will be the better option? Repair or replace the fender? And if the insurance won’t cover OEM fender what are the options? The car is 2007328i sedan. They are saying that the car is too old for OEM parts.
	Appreciate 0 Tweet Quote

12-30-2011, 08:44 PM	#2
MrXia8 Private 2 Rep 90 Posts Drives: BMW X5, 328i Join Date: Jun 2011 Location: NYC iTrader: (0)	Just bring it to a BMW Certified Collision center and have them deal with the insurance. Best of luck to you...
	Appreciate 0 Quote

12-30-2011, 08:48 PM	#3
Soliditude First Lieutenant 18 Rep 341 Posts Drives: 2011 335i xDrive M-sport Join Date: Dec 2011 Location: Portland, OR iTrader: (0)	Always best to get a new part rather than have the old repaired. The damage will be slightly visible no matter how well it's done. New part will be OEM and will look like nothing ever happened. Especially for a Bimmer. Best of luck to you, man. __________________ '11 6AT 335i xDrive ///M BMW PPK Stage 1
	Appreciate 0 Quote

12-30-2011, 09:27 PM	#5
nukezero Major 343 Rep 1,465 Posts Drives: BMW 3 series Join Date: Sep 2008 Location: Irvine iTrader: (8)	why are you dealing with their insurance? deal with YOUR insurance, get your adjuster. File a police report. then your insurance deals with their insurance. the name of the game is to put you back into the same condition you was in before the accident. that includes the use of whatever original, OEM part that was on there. wait, you are not an uninsured motorist are you?????
	Appreciate 0 Quote

12-30-2011, 11:28 PM	#8
Bimmer84 Guardian of the Night 109 Rep 1,831 Posts Drives: 2010 335i M Sport Coupe Join Date: Oct 2010 Location: San Antonio iTrader: (5) Garage List 2010 335i E92 [7.50]	Deal with your own insurance. That is why you have it. His insurance pays your deductible... __________________ 2010 335i M Sport Coupe -- Black Sapphire Metallic\|Coral Red\|Loaded\|JB4 Stage 3\|BMS DCI\|VRSF DPs\|Camaross 6k AE\|Performance Gloss Black Grilles\|CF Performance Spoiler\|CF Quad Diffuser\|Double Layer Black Chrome Quad Tips\|CF Roundels\|Smoked Reflectors\|Red Cyba Scoops\|193s Painted Lamborghini Metallic Dark Gray
	Appreciate 0 Quote

12-30-2011, 11:47 PM	#9
darebornsolja First Lieutenant 17 Rep 333 Posts Drives: 18 F80 [yezy] Join Date: Dec 2010 Location: Arcadia iTrader: (3) Garage List 2018 BMW M3 [0.00]	In the same boat, had 2 accidents within 2 months, 1st time the lady didn't have insurance, my attorney is going after her hard, 2nd one just occurred 3 days ago in the 10e freeway guy side swiped me on the left quarter panel and cracked my bbs lm's and f'ed up left side -_- soo annoyed because we have the same insurance company so they are probably going to try to low ball but I have my attorney on this case as well. It always helps to have an attorney to make them replace oem parts, I'm hoping my car is totaled so I can just upgrade,,,
	Appreciate 0 Quote

12-31-2011, 12:03 AM	#10
bimmercub Private 0 Rep 79 Posts Drives: 325I Join Date: Jul 2011 Location: San Francisco iTrader: (1)	take it to the dealer and have them fight for you. They did with me for the the amount of 9,700.00, they got my back 100% against my own state farm insurance, I have a almost new engine. __________________ Between two evils, I always pick the one I never tried before
	Appreciate 0 Quote

12-31-2011, 02:59 PM	#11
deadmn1337 Captain 39 Rep 656 Posts Drives: 2016 EB 435i Join Date: Mar 2010 Location: Long Beach iTrader: (11)	don't settle for anything less than full replacement with genuine parts.
	Appreciate 0 Quote

01-01-2012, 12:42 PM	#12
Zebra99 Colonel 112 Rep 2,856 Posts Drives: 2011 335is E93 Join Date: Aug 2011 Location: Ontario iTrader: (6) Garage List 2008 BMW 335i E93 [10.00]	Using non OEM parts will just devaluate your car and cause fitment issues. I would fight for OEM parts and proper repair. Best thing to do is get an independent appraisal/estimate. If your in U.S. you deal with the at-fault insurer and Canada is your own insurer. If you have specific questions please pm me. I'm an adjuster and can help you out.
	Appreciate 0 Quote

01-12-2012, 12:45 AM	#13
lonamuller19 New Member 0 Rep 10 Posts Drives: E90 Join Date: Nov 2011 Location: Amo, Indiana iTrader: (0)	In your place, I would have my insurance company take care of all the damages. They will fix it up and charge you a deductible, but then go after the other party, retrieve the money, and repay you the deductible. Less hassle this way, and as long as they get compensated, your provider will not raise your car insurance quote. Last edited by lonamuller19; 04-18-2013 at 03:50 AM..
	Appreciate 0 Quote

01-13-2012, 08:52 AM	#14
JonDiesel@ColemanAutobody Private First Class 14 Rep 124 Posts Drives: 2011 BMW 335d Join Date: Dec 2011 Location: New Jersey iTrader: (0)	definitely OEM parts. all BMW CCRC's must abide by this and are not allowed (per bmw NA) to use non OEM parts. replace is better than repair, if they do a nice job it will be undetectable repair.
	Appreciate 0 Quote