[bacon_45]

Originally Posted by Poochie

My bad, I didn't realized you was his keeper..

Same goes for you, didn't know you were the insurance claim agent. Good thing it's his own car to do whatever he wants with it, including coding out lights.

[neonnblack]

Girls, there's enough of me for each of you. Now that that's out of the way, let's get to business. Lol

Thanks to all of you for your concern, positive comments, funny comments and the bickering. I've enjoyed it.

I've been in contact with my insurance who had already stated I'm covered due to the fire. They'll have the car in their possession tomorrow and will declare a total loss or fixable officially (my insurance advisor stated she's positive it's total but it still has to go through the system).

Hopefully it's paid out a fair amount as it is financed, though what i owe compared to what's its worth is nearly the same. So wish me luck with them taking care of me.

And yes i know i should have gap but geico doesn't offer it and i hadn't set any up yet.

[IK6SPEED]

Originally Posted by neonnblack

Girls, there's enough of me for each of you. Now that that's out of the way, let's get to business. Lol

Thanks to all of you for your concern, positive comments, funny comments and the bickering. I've enjoyed it.

I've been in contact with my insurance who had already stated I'm covered due to the fire. They'll have the car in their possession tomorrow and will declare a total loss or fixable officially (my insurance advisor stated she's positive it's total but it still has to go through the system).

Hopefully it's paid out a fair amount as it is financed, though what i owe compared to what's its worth is nearly the same. So wish me luck with them taking care of me.

And yes i know i should have gap but geico doesn't offer it and i hadn't set any up yet.

Yes, that a negative with Geico.

BMWFS includes GAP insurance in their rates, fwiw.

[MmmmmM2]

Originally Posted by IK6SPEED

Yes, that a negative with Geico.

BMWFS includes GAP insurance in their rates, fwiw.

Amen. I always have GAP insurance no matter what.

[RMachuca3d]

My credit union gave me gap for 150% market value for 300$, no brainer! I need it seeing how badly they keep depreciating lol.

[Zanity]

Originally Posted by Gen13 F36

Carbon fiber trunk

Maybe, hard to tell from the dark pic.

[agentorange]

My money is on rodent damage causing an issue. Up in the Reno area and over in NorCal those little buggers are a curse.

[John in VA]

Originally Posted by Zanity

Maybe, hard to tell from the dark pic.

OP stated "carbon fiber seibon trunk" in post 55.

[jcordier]

Originally Posted by neonnblack

Thanks, i moved it and got out pretty quick. I even made a sad attempt to put the fire out with a mountain dew. lol

Doesn't have to be manual, no.

I went back a little bit ago and behold. Hard to tell but yes the headlight is still on.

Mountain Dew lol.... I'm definitely going to be adding a fire extinguisher to my car now.

[IK6SPEED]

Originally Posted by jcordier

I'm definitely going to be adding a fire extinguisher to my car now.

If a car catches on fire, you don't want it repaired, but totaled.

[fajitatone]

[QUOTE=floridaorange;24916589][QUOTE=Poochie;24915800]

Originally Posted by learntocode

The Chinaman is not the issue here, we're talking about drawing a line in the sand!

...and Chinaman is not the preferred nomenclature.

Great movie.

[jd_perspective]

Could have been bad if it was in a garage! Mine is always garaged!

[NicB.]

Man, that is a major bummer! Sorry to hear about the fire and your ride, but glad you're okay. Cars can be replaced.

[celsdogg]

Originally Posted by exl_ent_v6

Could have been bad if it was in a garage! Mine is always garaged!

this is exactly what I am thinking about!

looking forward to hearing what caused this!

[Newman1]

There was that issue that came to light a year or two ago with some BMWs that would spontaneously catch on fire. It was said to have affected older models, not F30s, but I'd be lying if I didn't say I still keep my car parked outside of the garage when we're out of town just to be sure.

[F30lolz]

Originally Posted by Newman1

There was that issue that came to light a year or two ago with some BMWs that would spontaneously catch on fire. It was said to have affected older models, not F30s, but I'd be lying if I didn't say I still keep my car parked outside of the garage when we're out of town just to be sure.

My e90 was affected so had it taken care of last year. However, I had to wait about se7en months for parts to be available.

[AlpineX]

Originally Posted by F30ZHP

Amen. I always have GAP insurance no matter what.

I can't understand the strategy of being so far underwater on your loan to value that you have to pay even more to protect yourself from it. Under certain conditions, sure, I understand the need. As a blanket statement, just bad advice.

[MmmmmM2]

Originally Posted by AlpineX

I can't understand the strategy of being so far underwater on your loan to value that you have to pay even more to protect yourself from it. Under certain conditions, sure, I understand the need. As a blanket statement, just bad advice.

GAP is good whether you have a shitty loan or not. BMW Financial, where my lease is through, is included. I'm not sure how suggesting GAP insurance is bad advice.

[CajunBMW]

Originally Posted by F30ZHP

GAP is good whether you have a shitty loan or not. BMW Financial, where my lease is through, is included. I'm not sure how suggesting GAP insurance is bad advice.

That is right - GAP or reasonable down payment.

[IK6SPEED]

Originally Posted by AlpineX

I can't understand the strategy of being so far underwater on your loan to value that you have to pay even more to protect yourself from it. Under certain conditions, sure, I understand the need. As a blanket statement, just bad advice.

Simple.

You put $5k down on car. Car T Bones you as you drive off lot. Your car is totaled and probably worth 20% less than what you paid 5 minutes ago. You immediately lose your $5k downpayment and have to pay the rest out of pocket with no GAP insurance.

If you put down nothing and have GAP insurance, you just saved yourself $5k you'd never get back otherwise.

Not bad advice at all.

[neonnblack]

Originally Posted by celsdogg

this is exactly what I am thinking about!

looking forward to hearing what caused this!

My guess is we'll never actually know. And from the looks of it my insurance doesn't exactly care, at least not enough to let me know about it. Or hold me up over it.

The cars already at a salvage yard waiting for a local agent to come by and make sure it's totaled. Should be a short timeline of events from what claims adjuster made it sound like.

And you should (this is going to sound real funny) always carry gap until you're no longer upside down. I honestly was going to but life gets in the way yadda yadda. My mistake.

Anyone wanna guess at what I'll get back out of it?

2013 335i 6mt, 75k miles, sport line, nearly every option except cold weather pkg.

KBB and NADA put the top end at about 19k.

[IK6SPEED]

Originally Posted by neonnblack

My guess is we'll never actually know. And from the looks of it my insurance doesn't exactly care, at least not enough to let me know about it. Or hold me up over it.

The cars already at a salvage yard waiting for a local agent to come by and make sure it's totaled. Should be a short timeline of events from what claims adjuster made it sound like.

And you should (this is going to sound real funny) always carry gap until you're no longer upside down. I honestly was going to but life gets in the way yadda yadda. My mistake.

Anyone wanna guess at what I'll get back out of it?

2013 335i 6mt, 75k miles, sport line, nearly every option except cold weather pkg.

KBB and NADA put the top end at about 19k.

Rule of thumb on a 2013 335i you lose about $100 for every 1,000 miles over 50k.

6MT may hurt value as well, but not to a great degree.

So $17.5 or so if truly loaded - but that's just a guess.