| Author |
Message |
news
Guest
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 Posted:
Fri Nov 26, 2004 11:44 am Post subject:
Help ! somebody hit my BMW . . |
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idiot ran a red light hit my rear wheel.
the wheel is bent .will need a rear quarter panel
should i go to a body shop that my insurance carrier
recommends or my own body shop ?
havent put it on a lift yet.kinda worried that there is more than just the
wheel
i want the car to drive correctly once its fixed.
its a 328 .
wait time for the dealer is too long and they outsource the paint job anyway
thanks.
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DFS
Guest
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| Posted:
Fri Nov 26, 2004 1:37 pm Post subject:
Re: Help ! somebody hit my BMW . . |
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| Quote: | should i go to a body shop that my insurance carrier
recommends or my own body shop ?
havent put it on a lift yet.kinda worried that there is more than just the
wheel
i want the car to drive correctly once its fixed.
its a 328 .
-------------------------------------------------------------------------- |
Pick the best body shop in your town. The other person's insurance carrier
cannot specify a shop. You really shouldn't even be talking to your carrier
at this point. They would only be in a back-up position if the driver who
hit you is uninsured, or his carrier gives you a hard time about any aspect
of making your car right.
When selling a car, the question often arises "has the car ever been in an
accident?" Having to answer this question in the affirmative makes your car
worth less as a result of the collision. You shouldn't walk away from the
claim without something for diminished value.
The rental car reimbursement for the time your car is in the shop should be
for a car comparable to your BMW. The other driver's carrier might insist
that they have a limit of $25-30 per day for a rental, but this applies only
to their insured party - not someone hit by their insured. You are entitled
to reimbursement for loss of use of YOUR car. If it costs them $250 a day
to rent a 3 series, that isn't your problem - it's theirs.
When choosing a shop, find one that has a "deeply rooted" staff. There are
large numbers of "migrant" body and fender men who drift from shop to shop,
region to region, and, well maybe, from bottle to bottle. Speak to the shop
owner, and then, ask to meet the guy who is going to actually be working on
your car. Get leads on shops from the local BMW and other marquee's clubs.
If a shop botches your car, the insurance company is rightly going to tell
you that "you hired them, we paid them, you work out any problems."
ds |
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Frank Kemper
Guest
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| Posted:
Fri Nov 26, 2004 4:27 pm Post subject:
Re: Help ! somebody hit my BMW . . |
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"DFS" <ok@nospam.com> haute in die Tasten:
| Quote: | You are entitled
to reimbursement for loss of use of YOUR car. If it costs them
$250 a day to rent a 3 series, that isn't your problem - it's
theirs.
|
Other countries may have other rules, but in Germany you are only entitled to get a
rental car one class lower than your own car. Reason: Using the rental car instead of
your own car saves you cost for oil, maintenance, wear and tear, depreciation (due to
increased mileage). So replacing your car with a loaner of the same size and class
would over-compensate your damage.
Your mileage may vary.
Frank
--
please replace spam-muelleimer with fk-newsgroups for e-mail contact
Citroen - Made in Trance
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John Carrier
Guest
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| Posted:
Fri Nov 26, 2004 5:24 pm Post subject:
Re: Help ! somebody hit my BMW . . |
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"DFS" <ok@nospam.com> wrote in message news:nXBpd.11694$0k1.5645@trnddc08...
| Quote: |
should i go to a body shop that my insurance carrier
recommends or my own body shop ?
havent put it on a lift yet.kinda worried that there is more than just
the
wheel
i want the car to drive correctly once its fixed.
its a 328 .
--------------------------------------------------------------------------
Pick the best body shop in your town. The other person's insurance
carrier cannot specify a shop. You really shouldn't even be talking to
your carrier at this point. They would only be in a back-up position if
the driver who hit you is uninsured, or his carrier gives you a hard time
about any aspect of making your car right.
When selling a car, the question often arises "has the car ever been in an
accident?" Having to answer this question in the affirmative makes your
car worth less as a result of the collision. You shouldn't walk away from
the claim without something for diminished value.
The rental car reimbursement for the time your car is in the shop should
be for a car comparable to your BMW. The other driver's carrier might
insist that they have a limit of $25-30 per day for a rental, but this
applies only to their insured party - not someone hit by their insured.
You are entitled to reimbursement for loss of use of YOUR car. If it
costs them $250 a day to rent a 3 series, that isn't your problem - it's
theirs.
When choosing a shop, find one that has a "deeply rooted" staff. There
are large numbers of "migrant" body and fender men who drift from shop to
shop, region to region, and, well maybe, from bottle to bottle. Speak to
the shop owner, and then, ask to meet the guy who is going to actually be
working on your car. Get leads on shops from the local BMW and other
marquee's clubs. If a shop botches your car, the insurance company is
rightly going to tell you that "you hired them, we paid them, you work out
any problems."
|
Great advise with one exception. Paintless dent repair guys ARE frequently
migrant, particularly the best at their craft. But the damage described
doesn't sound like something up this alley. Definitely shop for some
opinions ... if there's a solid shop in town, all the luxury dealers will
probably use it.
R / John |
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news
Guest
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| Posted:
Fri Nov 26, 2004 11:20 pm Post subject:
Re: Help ! somebody hit my BMW . . |
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i torn between a Geico recommneded shop or a place ive used some years
before
that did good work.both claim to use BASF Glaserit paint.
with the Geico place you get a guarantee of the work.
so that kinda what makes it indecisive cause of the guarantee .
but i dont know how good they are..
both claim they can do BMW alignment measurements.
"DFS" <ok@nospam.com> wrote in message news:nXBpd.11694$0k1.5645@trnddc08...
| Quote: |
should i go to a body shop that my insurance carrier
recommends or my own body shop ?
havent put it on a lift yet.kinda worried that there is more than just
the
wheel
i want the car to drive correctly once its fixed.
its a 328 .
--------------------------------------------------------------------------
Pick the best body shop in your town. The other person's insurance
carrier
cannot specify a shop. You really shouldn't even be talking to your
carrier
at this point. They would only be in a back-up position if the driver who
hit you is uninsured, or his carrier gives you a hard time about any
aspect
of making your car right.
When selling a car, the question often arises "has the car ever been in an
accident?" Having to answer this question in the affirmative makes your
car
worth less as a result of the collision. You shouldn't walk away from the
claim without something for diminished value.
The rental car reimbursement for the time your car is in the shop should
be
for a car comparable to your BMW. The other driver's carrier might insist
that they have a limit of $25-30 per day for a rental, but this applies
only
to their insured party - not someone hit by their insured. You are
entitled
to reimbursement for loss of use of YOUR car. If it costs them $250 a day
to rent a 3 series, that isn't your problem - it's theirs.
When choosing a shop, find one that has a "deeply rooted" staff. There
are
large numbers of "migrant" body and fender men who drift from shop to
shop,
region to region, and, well maybe, from bottle to bottle. Speak to the
shop
owner, and then, ask to meet the guy who is going to actually be working
on
your car. Get leads on shops from the local BMW and other marquee's
clubs.
If a shop botches your car, the insurance company is rightly going to tell
you that "you hired them, we paid them, you work out any problems."
ds
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Somebody
Guest
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| Posted:
Fri Nov 26, 2004 11:50 pm Post subject:
Re: Help ! somebody hit my BMW . . |
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"news" <chaching@chaching.net> wrote in message
news:ktKpd.32$_C2.15@trndny01...
| Quote: | i torn between a Geico recommneded shop or a place ive used some years
before
that did good work.both claim to use BASF Glaserit paint.
with the Geico place you get a guarantee of the work.
so that kinda what makes it indecisive cause of the guarantee .
but i dont know how good they are..
both claim they can do BMW alignment measurements.
|
A decent shop will guarantee their own work, insurance job or not.
-Russ. |
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Jeff Strickland
Guest
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| Posted:
Tue Nov 30, 2004 3:15 am Post subject:
Re: Help ! somebody hit my BMW . . |
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I would let the BMW dealer do the work. If they farm the job out, you will
still deal with them, and they won't want to deal with you later so they are
inclined to select a farm that will do good work.
You are entitled to have ALL OF YOUR LOSSES COVERED. The other driver has
liability, and if he doesn't have insurance, then you have uninsured driver
coverage. Your losses include the towing charges to get your car from the
accident site to the repair center, the costs of storage for your car while
it waits to be serviced or obtain a determination from the insurance company
that they will even pay to fix the car - it may be totaled and they can take
days or weeks to determine this, all the while the clock is ticking at the
storage yard. You are also entitled to a rental car. The insurance company
will tell you that they will only pay $20 per day, but you have lost the use
of a car that is much better than that, and they can be forced to pay for a
car that is similar in function to yoru car. This means that they can be
forced to pay for a Taurus because that is similar in function to your 3
Series. It is reasonable that they might not want to pay for you to rent a 3
Series, but you should not settle for a Focus either. Of course, you may
prefer a GM variation on the Ford examples that I used.
A car is considered Totalled if it costs more than 75% or 80% of the value
to repair it. Another poster said your own insurance company should not be
involved yet, I am not sure I agree with this assessment. I think your
insurance agent should be you ally here, not your adversary. You can deal
directly with the claims adjuster from the other driver's insurance company
if you want, or you can scream at your own insurance company for what you
think is right, and they will go after the other insurance company on your
behalf.
If the car is totalled, they (the other insurance company) will try to stiff
you on the value. You can get sales prices from the local dealer(s) for cars
like yours, and you can also get prices from AutoTrader or eBay that list
the prices. Also, use www.kbb.com to arrive at your value, use the Private
Party, Wholesale, and Retail values to arrive at a reasonable value for your
car. The other guy's insurance will try to get you to pay for your own car
from your Collision and Comp Coverage, but then you will pay your own
deductable and let them off the hook for the libility.
ALL OF YOUR COSTS RELATIVE TO THIS ACCIDENT SHOULD BE PAID BY THE OTHER
GUY'S INSURANCE COMPANY. Do not let them tell you that your insurance should
be tapped, your insurance should not pay a dime on this claim.
"news" <chaching@chaching.net> wrote in message
news:ehApd.7407$hJ6.4670@trndny01...
| Quote: | idiot ran a red light hit my rear wheel.
the wheel is bent .will need a rear quarter panel
should i go to a body shop that my insurance carrier
recommends or my own body shop ?
havent put it on a lift yet.kinda worried that there is more than just the
wheel
i want the car to drive correctly once its fixed.
its a 328 .
wait time for the dealer is too long and they outsource the paint job
anyway
thanks.
|
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Jeff Strickland
Guest
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| Posted:
Tue Nov 30, 2004 3:26 am Post subject:
Re: Help ! somebody hit my BMW . . |
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"Frank Kemper" <spam-muelleimer@gmx.de> wrote in message
news:Xns95AD7E7C92EE1eldosampleman@130.133.1.4...
| Quote: | "DFS" <ok@nospam.com> haute in die Tasten:
You are entitled
to reimbursement for loss of use of YOUR car. If it costs them
$250 a day to rent a 3 series, that isn't your problem - it's
theirs.
Other countries may have other rules, but in Germany you are only entitled
to get a
rental car one class lower than your own car. Reason: Using the rental car
instead of
your own car saves you cost for oil, maintenance, wear and tear,
depreciation (due to
increased mileage). So replacing your car with a loaner of the same size
and class
would over-compensate your damage.
Your mileage may vary.
|
I do not understand the position here. If I have a car that is crashed, I
still have the payment(s) to make while it is out of service. I have all of
the same issues relative to maintenance, well maybe I don't have to do the
oil change or buy the tires on the rental car, but these are not a
significant benefit for most drivers that are doing less than 12,000 miles
per year. If tires cost $100, and there are 4, then they all cost $400. If
they last 40,000 miles, then they cost $0.10 per mile, and in 1000 miles,
the benefit would be $10.00. If oil costs $25 for an change, and it lasts
5,000 miles, then it is a value of $5.00 per 1000 miles. Big deal. That is
not reason to stuff a guy and his family into a Ford Focus while the 3
Series is being fixed. I think the driver of a 3 Series can reasonably
demand a rental car that is equivelent to a Taurus in size. |
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Frank Kemper
Guest
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| Posted:
Fri Dec 03, 2004 12:25 am Post subject:
Re: Help ! somebody hit my BMW . . |
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"Jeff Strickland" <spamcatcher@yahoo.net> haute in die Tasten:
| Quote: | I do not understand the position here.
|
Actually this position was not created by me, but by some insurance guys,
so don't let us argue about it. I think the basic argument is that they
refuse to over-compensate your damage. They claim that you have a benefit
from driving around in a brand new rental car instead of your own used car
and that you save money for wear and tear, maintenance and the risk of
damaging the car. They compensate these "benefits" by downgrading you by
one class, so you get a VW Golf instead of a BMW 316. This may sound unfair
to you, but at least it saves money for the insurance company;-)
I quoted this because I wanted to keep away trouble from the original
poster. Maybe he thinks "Okay, my BMW 5'series is totalled, so I rent
myself a 5'series until I get my car back". And then some insurance guy
charges him with 30 bucks per day, because he was only allowed to take one
class lower. I personally would not spend that money, but take the smaller
car and enjoy the decreased fuel consumption;-)
Frank
--
please replace spam-muelleimer with fk-newsgroups for e-mail contact
Citroen - Made in Trance |
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Dori A Schmetterling
Guest
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| Posted:
Sat Dec 04, 2004 5:26 pm Post subject:
Re: Help ! somebody hit my BMW . . |
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Count yourselves lucky.
My CLK was in for a panel respray (some bugger had 'keyed' it) and all I got
from the insurance repair shop as courtesy car was a Nissan Micra. Mind
you, I was quite impressed it with it. Ugly thing but pleasant to drive and
remarkably spacious for a city runabout.
DAS
--
For direct contact replace nospam with schmetterling
---
"Frank Kemper" <spam-muelleimer@gmx.de> wrote in message
news:Xns95B3CFC47EF1Beldosampleman@130.133.1.4...
| Quote: | "Jeff Strickland" <spamcatcher@yahoo.net> haute in die Tasten:
I do not understand the position here.
Actually this position was not created by me, but by some insurance guys,
so don't let us argue about it. I think the basic argument is that they
refuse to over-compensate your damage. They claim that you have a benefit
from driving around in a brand new rental car instead of your own used car
and that you save money for wear and tear, maintenance and the risk of
damaging the car. They compensate these "benefits" by downgrading you by
one class, so you get a VW Golf instead of a BMW 316. This may sound
unfair
to you, but at least it saves money for the insurance company;-)
I quoted this because I wanted to keep away trouble from the original
poster. Maybe he thinks "Okay, my BMW 5'series is totalled, so I rent
myself a 5'series until I get my car back". And then some insurance guy
charges him with 30 bucks per day, because he was only allowed to take one
class lower. I personally would not spend that money, but take the smaller
car and enjoy the decreased fuel consumption;-)
Frank
--
please replace spam-muelleimer with fk-newsgroups for e-mail contact
Citroen - Made in Trance |
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