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      02-19-2020, 03:24 PM   #1
MaD_MooD_S
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Angry My tragic bmw 328i f30 story

Since a young age all i really wanted was a BMW. Soon after i graduated university i started working....4 years later, married with a kid on the way...i saved as much as i can,this was it...i had to get the car now before life got more expensive. Coming from a vauxhaul corsa then a skoda octavia A5, my dream was a black 328i f30 sport with red interior. Took out a loan that i can handle, not coming for a rich family...it was really tough reaching the required amount for the car. This was 2013 in Egypt, finally i bought it and drove it home from the dealership. What an accomplishment it was for me. Was never a show off, just a car enthusiast.. that had a dream of owning it. Insured the car a full insurance that did not cover natural disasters...most insurance policies did not...After a year of owning the best car of my life...we had heavy rainfall and flooding in my garage and my car was totaled...the insurance did not pay anything...and sold it for half price. I was devastated...lost so much money. Still had to repay my loan with interest...which was even more grievance. 2 month later a sudden inflation occurred that tanked our currency, made car prices nearly double. Therefore it was a double loss...now with the money i had i barely could afford a kia picanto. 6 years later i have saved enough money to buy an f30 again....hopefully a used 2016 BMW 320i lci ( within my budget). Having another kid and them being in school , life has gotten much more expensive, we are a middle class family..to live in these standards it is really tough for me to provide this. But my dream is to buy this car again...really worried if it will affect my monthly expenses...but i cant handle driving a normal beat up car any longer...attached are pics of my disaster.

Also note...alot of ppl told me you should've tried to fix your car...the water had reached the steering wheel level. Was it salvageable? or did i hastily sell as scrap?
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      02-19-2020, 06:35 PM   #2
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Ouch...sorry to hear about the flooding

With another child on the way and the way currency is there I would have bought a cheaper far. I know you don't want to hear that but sometimes sacrifices must be made now then get what you want later when everything is fully stable.
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      02-19-2020, 06:42 PM   #3
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I’m so sorry to read that! My motorcycle was flooded once, and I could only see the top of the side mirrors, heartbreaking!

Hope you get to find another B,W that will make you happy!

I got my 328i used, a CPO. Maybe your next one can be a well cared for, used BMW.
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      02-19-2020, 07:00 PM   #4
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Beautiful car, sorry to hear about your ordeal. Why didn't your insurance cover the damages? Be sure to get full coverage this time if that's what the problem was!
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      02-19-2020, 09:38 PM   #5
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Quote:
Originally Posted by MaD_MooD_S View Post
Since a young age all i really wanted was a BMW. Soon after i graduated university i started working....4 years later, married with a kid on the way...i saved as much as i can,this was it...i had to get the car now before life got more expensive. Coming from a vauxhaul corsa then a skoda octavia A5, my dream was a black 328i f30 sport with red interior. Took out a loan that i can handle, not coming for a rich family...it was really tough reaching the required amount for the car. This was 2013 in Egypt, finally i bought it and drove it home from the dealership. What an accomplishment it was for me. Was never a show off, just a car enthusiast.. that had a dream of owning it. Insured the car a full insurance that did not cover natural disasters...most insurance policies did not...After a year of owning the best car of my life...we had heavy rainfall and flooding in my garage and my car was totaled...the insurance did not pay anything...and sold it for half price. I was devastated...lost so much money. Still had to repay my loan with interest...which was even more grievance. 2 month later a sudden inflation occurred that tanked our currency, made car prices nearly double. Therefore it was a double loss...now with the money i had i barely could afford a kia picanto. 6 years later i have saved enough money to buy an f30 again....hopefully a used 2016 BMW 320i lci ( within my budget). Having another kid and them being in school , life has gotten much more expensive, we are a middle class family..to live in these standards it is really tough for me to provide this. But my dream is to buy this car again...really worried if it will affect my monthly expenses...but i cant handle driving a normal beat up car any longer...attached are pics of my disaster.

Also note...alot of ppl told me you should've tried to fix your car...the water had reached the steering wheel level. Was it salvageable? or did i hastily sell as scrap?
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Sadly, your car is scrap. You might be able to clean it up, but soon, the electrics will fail you.

My area has many flooded cars. Even up to the floor boards can be bad. And people resell these things to unsuspecting buyers all the time. Flooded cars are junk.

Why you insurance didn't pay at least some is strange. You need to start yelling and screaming. Maybe a lawyer?

Here is a good picture. I think the guys car stalled but it looks like the water was not up to the floor boards. His car might be OK. Yours is not. Good luck and keep us posted.

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      02-21-2020, 07:36 PM   #6
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Interesting to read that in Egypt they don’t cover natural disasters. Here in the US if they have to if you have full coverage.
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      02-25-2020, 11:26 AM   #7
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      02-25-2020, 06:36 PM   #8
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i feel your pain. sadly in the west its possible to just borrow and buy another fancier bmw and go deeper into debt and full marks to your patience and optimism. Hopefully all will end well.
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      02-25-2020, 08:06 PM   #9
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A sad story, but life is long, who knows what you could afford in the future? Give it time, your finances will improve.
Coming from a 328i to 320i only makes you upset, get another 328 or do without!
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      02-25-2020, 08:24 PM   #10
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Egypt currency is picking up, you can buy it back soon enough

"The currency, which was floated in late 2016 amid a foreign-exchange crisis, has been popular with carry traders in the past year. They’ve been lured by yields of almost 15% on local bonds as well as the economic reforms undertaken by President Abdel-Fattah El-Sisi."

https://www.bloomberg.com/news/artic...nflows-pick-up
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