[F30TSnipe]

Was driving down the main road, and some random lady pulled out without looking both ways🤦‍♂️
-Chassis stabilization malfunction popped up
-It pulls all the way to the right and makes a high pitched squeaky noise when trying to drive
Do you guys think it’s going to be considered a total loss??

[Pauloxxi]

I had similar damage and it was fixed. Took about a month and a half, but no concerns.

[F30TSnipe]

Originally Posted by Pauloxxi

I had similar damage and it was fixed. Took about a month and a half, but no concerns.

How many miles did you have??
I currently have 135xxx

[Orion4]

We have no idea based on superficial photos. Besides, it doesn't matter what we think, it's up to your insurance adjuster to make that determination.

[tturedraider]

Originally Posted by F30TSnipe

How many miles did you have??
I currently have 135xxx

135,000 is going to work against you. What year model? How well is it equipped? I’m guessing no airbags deployed? It’s hard to tell from the photos, but if the steering issues are because of suspension damage, pretty likely, that can drive up repair costs pretty significantly. Use this to calculate the retail value of your car. If it’s pretty low the odds are against you. https://www.edmunds.com/appraisal/

Originally Posted by Orion4

We have no idea based on superficial photos. Besides, it doesn't matter what we think, it's up to your insurance adjuster to make that determination.

Not necessarily. If an owner can make a good case for the value of the car and wants it repaired they have a chance to convince the insurance company.

[F30TSnipe]

Originally Posted by tturedraider

Not necessarily. If an owner can make a good case for the value of the car and wants it repaired they have a chance to convince the insurance company.

It’s a 2014 320i I’m pretty sure basic lighting model , and no airbags deployed!
Im hoping it gets considered a total loss so I can get cashed out

[tturedraider]

Originally Posted by F30TSnipe

It’s a 2014 320i I’m pretty sure basic lighting model , and no airbags deployed!
Im hoping it gets considered a total loss so I can get cashed out

I just did the value. I’ll be shocked if it’s not totaled.

[F30TSnipe]

Originally Posted by tturedraider

I just did the value. I’ll be shocked if it’s not totaled.

Thanks for the insight Man , I appreciate it
I’ll keep yall updated

[gameson]

From the pictures, this is minor damage. Headlight, fender, hood, bumper can be replaced, but the frame etc needs to be seen once it is open up.

It will probably get totaled since those 4 parts alone aren’t cheap for a brand new parts. Also an excuse to upgrade from halogen to xenon or led headlight with money from insurance payout. Lol

My take is if you are a decent mechanic, you can buy back from insurance and fix it yourself as most are probably just a replacement parts to make it new again. You can buy those parts used from junk yard or eBay to save money.

[freakystyly]

Pretty much guaranteed suspension and possibly sub frame damage based on the wrinkling of the entire fender. Not sure on the speed of impact, the wheel itself looks untouched aside from the angle.

[Pauloxxi]

Originally Posted by F30TSnipe

How many miles did you have??
I currently have 135xxx

My car had 2 years and lesser than 15,000 miles. It costed $8,000 to the insurance.
No airbag deployment, but steering rack was replaced, affected wheel, suspension arms in that side, fender, etc.

[cfm56d7b]

Originally Posted by Orion4

We have no idea based on superficial photos. Besides, it doesn't matter what we think, it's up to your insurance adjuster to make that determination.

Indeed. The insurance company is the final decision maker. Check your policy if the decision can be appealed.

[tturedraider]

Originally Posted by cfm56d7b

Indeed. The insurance company is the final decision maker. Check your policy if the decision can be appealed.

The final decision is always negotiable. So is the value amount the insurance company pays out if the car is totaled.


By the way, to the OP, if the car is totaled the insurance company owes you the full RETAIL value of the car that it would take to buy an exact replacement from a dealership if one was available. They also owe you the cost of tax, title, and license fees that would be required based on the final valuation of your car that they pay.

[AlmondJayRoM3]

Just in the major parts I can see in the pictures (hood, bumper cover, fender, door shell, headlight) you are already close to $4000 new. This doesn’t include suspension parts or all the random parts required for a proper fix (think bumper and headlight brackets/supports, radiator brackets etc) Buying the parts used will cut that cost by 1500-2000.

Refinishing will be quite expensive. Doing this proper requires a blend into the right fender, rear left door and the a pillar. Probably 4000-5000 depending on the shop.

Pauloxxi wasn’t far off with his cost. The big unknown are the suspension and steering components and their associated labor.

[Boznien]

I would start saying your goodbyes...

[F30TSnipe]

Originally Posted by Boznien

I would start saying your goodbyes...

insurance got back, they weren’t able to make a decision based on the photos, so they want me to take it to a shop to determine weather it’s going to get totalled or not.

[Boznien]

Originally Posted by F30TSnipe

insurance got back, they weren’t able to make a decision based on the photos, so they want me to take it to a shop to determine weather it’s going to get totalled or not.

Let us know what the quote is when they send it to you.

[F30TSnipe]

Originally Posted by Boznien

Let us know what the quote is when they send it to you.

They totalled her I got 10.5
Looking at a 2015 435xi

[wishbone]

Originally Posted by F30TSnipe

They totalled her I got 10.5
Looking at a 2015 435xi

Sorry to hear, did it bend the frame up top?

[tturedraider]

Originally Posted by F30TSnipe

They totalled her I got 10.5
Looking at a 2015 435xi

Based on my recollection of the value I ran it sounds like they gave you an appropriate amount.

Good luck with your search! I would say if you can bump your budget a little bit moving to a 440 or 340 would be totally worth it and worth doing while you have the opportunity. Personally, I would go for a 340 over a 440 if the lower price of a 3er would make it an easier option.

[Boznien]

Originally Posted by F30TSnipe

They totalled her I got 10.5
Looking at a 2015 435xi

Sorry man. It sucks to lose a car like that.

I would use that money as a down payment on a 2016-2018 340xi instead of a 435xi.

340/440 is just better in every way over the N55 model.

Thanks for updating us back.

[eff32fl]

I second that you should try and get a 440i if you can swing the price. The B58 is wonderful.

A 435i will still be a good choice though.