[kheiryk]

Originally Posted by 328iX

Had the same hit also on my last car, 2015 328d

I went through insurance but it was $4,995 including my collision deductible of $1,000

The other person was at fault so everything got reimbursed to me.

Damn man that's basically the same damage as mine. This is gonna kill my pockets

[kheiryk]

Originally Posted by Elvisfan

When a car is financed,you have to have collision. Have to protect the banks. Think about if your car had been totaled. You were obviously taking a risk.

Car isn't financed, it's fully paid off. Still, it wasn't a smart thing to do to just have liability coverage on such a new car.

[kheiryk]

Originally Posted by jd_perspective

Who doesn't have collision on a not so old BMW?!?!?! Sorry OP, that sucks for you. I had a similar fender bender on my 2015 4-series and it was $8K in damage. $1K alone for the headlight! (and my overall damage was so much less)

Yea I was foolish. I'll definitely get collision now. But 1k for just the headlight?? Jesus Christ how?? I just bought a left headlight for $150. I can't imagine the labor for replacement is another $950. The headlight isn't genuine, but it's OEM certified. Still gets the job done I suppose haha

[Pauloxxi]

Oh man... a little more damage on my car years ago reached $8k. Initial quote at body shop was like $5k, but it is like an onion, they start peeling off and need more money to fix.
My insurance paid everything, and couple months later they reimbursed the $1000 deductible, because it was not our fault.
Having a BMW relative new with low insurance is very risky... specially on cold places with snow and ice rain... Everything is dice on these days for low coverage insurance... Sorry.

[jd_perspective]

Originally Posted by kheiryk

Yea I was foolish. I'll definitely get collision now. But 1k for just the headlight?? Jesus Christ how?? I just bought a left headlight for $150. I can't imagine the labor for replacement is another $950. The headlight isn't genuine, but it's OEM certified. Still gets the job done I suppose haha

the entire LED headlamp is super expensive. I assume you dont have LED then lol

[F30lolz]

Good thing your suspension components look intact/untouched. Got hit last year on this exact day in my 2015 320i and was totaled with $15k in damages. Suspension/steering rack alone were almost $10k combined.

[Gen13 F36]

Oh god.... Liability insurance.

[ggrcrash]

Originally Posted by Gen13 F36

Oh god.... Liability insurance.

probably closer to about 8k...seriously..

[kheiryk]

Originally Posted by kheiryk

Was involved in a car accident. Insurance won't cover because I have only liability coverage, and the person who hit me has no insurance at all. I can only sue him civilly. I want to know how much this would potentially cost though

UPDATE:
I got an estimate for a rounded $3,000. Need a new fender, hood, and headlight. Another body shop said they can fix the dents for $1,000. I'm not gonna do that though lol, I decided to buy the hood and fender on my own from the junkyards and have them fix it. That way it'll get done way less than the 3k. Body shop said the hood is $700 and the fender is $500 lol, ridiculous. I can find them for cheaper at the junkyard.

[HarryTee]

Originally Posted by kheiryk

UPDATE:
I got an estimate for a rounded $3,000. Need a new fender, hood, and headlight. Another body shop said they can fix the dents for $1,000. I'm not gonna do that though lol, I decided to buy the hood and fender on my own from the junkyards and have them fix it. That way it'll get done way less than the 3k. Body shop said the hood is $700 and the fender is $500 lol, ridiculous. I can find them for cheaper at the junkyard.

Sounds sensible if you have to cover the cost yourself. Good luck!

[Elvisfan]

Originally Posted by kheiryk

UPDATE:
I got an estimate for a rounded $3,000. Need a new fender, hood, and headlight. Another body shop said they can fix the dents for $1,000. I'm not gonna do that though lol, I decided to buy the hood and fender on my own from the junkyards and have them fix it. That way it'll get done way less than the 3k. Body shop said the hood is $700 and the fender is $500 lol, ridiculous. I can find them for cheaper at the junkyard.

Usually cars end up in a junkyard for a reason. Good luck finding a good hood and fender.

[340i9114s]

First step would be to remove the m colored grill inserts

[Pauloxxi]

Originally Posted by kheiryk

UPDATE:
I got an estimate for a rounded $3,000. Need a new fender, hood, and headlight. Another body shop said they can fix the dents for $1,000. I'm not gonna do that though lol, I decided to buy the hood and fender on my own from the junkyards and have them fix it. That way it'll get done way less than the 3k. Body shop said the hood is $700 and the fender is $500 lol, ridiculous. I can find them for cheaper at the junkyard.

I agree with your approach... do your work to get a descent cost solution.
FYI, insurance companies are approved by law to use aftermarket or even salvaged parts for repairs... based on principle that the damaged vehicle was not a brand new, and insurance would be extremely expensive if using only OEM replacement parts.

[Newman1]

Adding OEM parts coverage is very cheap. I’m paying something like $70 a year extra for all our vehicles. When I hit a deer a couple years back, it was a smooth process. All brand new OEM parts, no questions or hassles. I think the only restriction is the vehicle has to be 2000 or newer, at least with my insurance.

[kheiryk]

Originally Posted by 340i9114s

First step would be to remove the m colored grill inserts

Come remove them for me

[kheiryk]

Originally Posted by Pauloxxi

I agree with your approach... do your work to get a descent cost solution.
FYI, insurance companies are approved by law to use aftermarket or even salvaged parts for repairs... based on principle that the damaged vehicle was not a brand new, and insurance would be extremely expensive if using only OEM replacement parts.

Yeah I agree, body shops try to get the most money they can when I can buy the same parts for cheaper lol. Thanks for the feedback.

[kheiryk]

Originally Posted by Newman1

Adding OEM parts coverage is very cheap. I’m paying something like $70 a year extra for all our vehicles. When I hit a deer a couple years back, it was a smooth process. All brand new OEM parts, no questions or hassles. I think the only restriction is the vehicle has to be 2000 or newer, at least with my insurance.

Only $70 extra for all your cars, not too bad. Im going to get full coverage after getting my car back, hopefully it isn't too expensive.

[PK2348]

What did you hit? Doesn’t look like it was another car?

[sqwinny]

If you have uninsured motorist this would be covered. Otherwise car-part will be your friend to look for parts. Might get lucky to find things. The headlight and fender itself isn't too expensive via eBay, but the hood, paint, and labor might be the kicker

[kheiryk]

Originally Posted by PK2348

What did you hit? Doesn’t look like it was another car?

It was actually, it was an SUV. I got hit from behind and crashed right into her rear right bumper.

[kheiryk]

Originally Posted by sqwinny

If you have uninsured motorist this would be covered. Otherwise car-part will be your friend to look for parts. Might get lucky to find things. The headlight and fender itself isn't too expensive via eBay, but the hood, paint, and labor might be the kicker

Yup, I got all the parts from Car Parts haha. Headlight, fender, hood all came out to be around $650 plus shipping. Everything was really cheap. All parts OEM too. Now the labor and paint really is the problem, I'm getting a $1,250 estimate for labor and paint but oh well.

[Pauloxxi]

Originally Posted by kheiryk

Yup, I got all the parts from Car Parts haha. Headlight, fender, hood all came out to be around $650 plus shipping. Everything was really cheap. All parts OEM too. Now the labor and paint really is the problem, I'm getting a $1,250 estimate for labor and paint but oh well.

Still saving a good chunk. Success!