Well that was a day

jnismith · 12-29-2018, 04:30 PM

Cruising down the M25, probably only doing 40, lorry tries to go from third to second lane and pushes me, then suddenly I’m spinning round and end up with my arse in the central reservation. One witness stopped and have got details. Lorry driver apologised, police came. BMW emergency services got the car towed and me back home. Have a 320d from Enterprise for a few days.

All of driver side damaged, plus two alloys, plus back left quarter completely smashed. Just valued car on WBAC, £20,000. Wondering now whether it will get fixed or not. Have Gap insurance

Tried to upload pictures but too big. Will certainly need two new doors, bodywork to one front and back wing, new back section and some work on the metal underneath, 2 alloys repaired, wing mirror.

Repairable for £20,000 etc. Or will it be a write off?

teaston · 12-29-2018, 04:36 PM

Sorry to hear this, at least it was just metal and plastic that got hurt!

If you get the bimmerpost app you can upload any size photos easily, just go in the settings and increase the upload resolution first.

C320 · 12-29-2018, 04:38 PM

Sorry to hear this must have been a scary experience.

Difficult to say without pictures. However, from the extent of damage you’ve described I’d suggest that it sounds like it’s a write off given the amount of work needed, especially if there is any chassis / suspension damage.

Tengocity · 12-29-2018, 04:39 PM

Sorry to hear this! Better the car damaged than you.

TouringPleb · 12-29-2018, 04:45 PM

At least you are safe and well.

My first accident ever was being hit by a lorry on the M25. Sounds similar to yours, lorry changed lanes and caught me with his trailer sending me into a coned off lane. Lorry didn't stop.

Whatever happens with the car, it's only metal and plastic and you have insurance and Gap.

Watsey · 12-29-2018, 05:05 PM

Glad to hear that no-one was hurt.

From what you describe my guess is that the car will be written off if it's a BMW repair as we know their prices aren't cheap.

speedski · 12-30-2018, 05:16 AM

Glad to hear you got out safe and that they took quick responsibility.

Good that you have gap too - I'd honestly prefer to have it written off in your circumstance...

jnismith · 01-08-2019, 04:05 PM

Well my lovely 440i GC with MPPSK is no more. Written off as repairs came to £23000. Insurance company have offered £25,750 which as I paid £39,000 for it 2 3/4 years ago and it’s done 36,000 miles, doesn’t seem too bad.

Not sure what happens next with GAP. Do they just make up the difference between £25,750 and £39,000 or do they pay the price it would cost now?

Seems to leave me in quite a good position though.

teaston · 01-08-2019, 04:14 PM

Quote:

Originally Posted by jnismith

Well my lovely 440i GC with MPPSK is no more. Written off as repairs came to £23000. Insurance company have offered £25,750 which as I paid £39,000 for it 2 3/4 years ago and it’s done 36,000 miles, doesn’t seem too bad.

Not sure what happens next with GAP. Do they just make up the difference between £25,750 and £39,000 or do they pay the price it would cost now?

Seems to leave me in quite a good position though.

Depends if you had return to invoice gap (will give you the difference between what insurance pay and what you paid for the car) or replacement gap (will pay the difference between insurance payout and what a new equivalent will cost). If you have replacement gap you’re in for some big bucks!

NotGotABimmer23 · 01-08-2019, 04:14 PM

Quote:

Originally Posted by jnismith

Well my lovely 440i GC with MPPSK is no more. Written off as repairs came to £23000. Insurance company have offered £25,750 which as I paid £39,000 for it 2 3/4 years ago and it’s done 36,000 miles, doesn’t seem too bad.

Not sure what happens next with GAP. Do they just make up the difference between £25,750 and £39,000 or do they pay the price it would cost now?

Seems to leave me in quite a good position though.

Depends if you have back to invoice or replacement gap. But yeah they make up the gap to £39k minimum.

dopper99 · 01-08-2019, 05:39 PM

Quote:

Originally Posted by teaston

Depends if you had return to invoice gap (will give you the difference between what insurance pay and what you paid for the car) or replacement gap (will pay the difference between insurance payout and what a new equivalent will cost). If you have replacement gap you’re in for some big bucks!

Yes Replacement GAP is the only one to get, for a few extra £'s.

Wouldn't touch Return To Invoice as the more discount you got when you bought the car, the less payout you will get come claim time!

adam.b · 01-08-2019, 05:47 PM

Quote:

Originally Posted by dopper99

Yes Replacement GAP is the only one to get, for a few extra £'s.

Wouldn't touch Return To Invoice as the more discount you got when you bought the car, the less payout you will get come claim time!

you learn always something new

johnnybforbacon · 01-08-2019, 11:34 PM

Sorry to hear that, but be thankful you came out ok. Don't worry about the payout, you've got the gap so whatever happens you shouldn't be in a negative. Hope it all turns out alright for you mate.

Rbrown · 01-09-2019, 12:17 AM

Nightmare. At least you are safe.

Hope it all gets sorted quickly.

335d Touring Xdrive · 01-09-2019, 01:28 AM

Scary experience no doubt. Pleased to hear you are safe and well. Also well done for taking GAP out. So many people think it will never happen to them. And thankfully it won't. But you just never know. Enjoy choosing your next new car.

jnismith · 01-09-2019, 02:42 AM

Quote:

Originally Posted by teaston

Depends if you had return to invoice gap (will give you the difference between what insurance pay and what you paid for the car) or replacement gap (will pay the difference between insurance payout and what a new equivalent will cost). If you have replacement gap you’re in for some big bucks!

Replacement Gap. So does that mean I will get another £25000 to bring it up to £50000 which is about what it would cost now.

If so, I might be very happy.

But what to get next???

jnismith · 01-09-2019, 02:42 AM

Quote:

Originally Posted by 335d Touring Xdrive

Scary experience no doubt. Pleased to hear you are safe and well. Also well done for taking GAP out. So many people think it will never happen to them. And thankfully it won't. But you just never know. Enjoy choosing your next new car.

I’d only heard about GAP from this forum and got a discount for being a member.

teaston · 01-09-2019, 02:45 AM

Quote:

Originally Posted by jnismith

Quote:

Originally Posted by teaston

Depends if you had return to invoice gap (will give you the difference between what insurance pay and what you paid for the car) or replacement gap (will pay the difference between insurance payout and what a new equivalent will cost). If you have replacement gap you're in for some big bucks!

Replacement Gap. So does that mean I will get another £25000 to bring it up to £50000 which is about what it would cost now.

If so, I might be very happy.

But what to get next???

Yep should be!

X3!!

chris-c · 01-09-2019, 03:56 AM

Glad you are okay. Sad the car is a write off and after looking more into the gap insurance it seems I got the wrong idea. I thought it would just assist in covering the difference in getting you back in a same spec car. I didnt realise that it would basically rewind time to when you purchased the car and you'd get what you bought even if it's 2 years after you purchased it.

One decent write off could really cover your arse on a car with massive depreciation.

Buy M5, get gap.
2 years into ownership "accidentally" smash it into a wall or something writing it off.
Buy brand new M5.
:O

Yes this is insurance fraud but I really didnt think it'd work like that. I thought they'd just guarantee that when your insurance company value your car at XYZ amount but a real replacement is £3k more the gap would just cover that.

1966-TR4 · 01-09-2019, 04:11 AM

I paid 23k cash for my 2013 F31 (in 2016). I took out return to invoice GAP, if I get a write off before Sept 19 (by which point I will have put 100k miles on it) I will be quids in

TodmordenLad · 01-09-2019, 04:48 AM

Very sorry to hear your story as a fellow 440i MPPSK owner but glad that you were okay, most importantly
Enjoy hunting for the new car, what are you considering?

C320 · 01-09-2019, 04:50 AM

Quote:

Originally Posted by jnismith

Replacement Gap. So does that mean I will get another £25000 to bring it up to £50000 which is about what it would cost now.

If so, I might be very happy.

But what to get next???

Sorry to hear that your 440i GC has been written off. At least you're fine and having GAP is a sensible thing.

Who did you buy your GAP insurance from? I'm sure others will be keen to hear your experience with the claim process as insurance companies are only ever as good as their claim handling process.

Good luck on the search for a new motor, nice position to be in!

12-29-2018, 04:30 PM	#1
jnismith Captain 311 Rep 713 Posts Drives: Golf R, Maserati Gransport Join Date: Jul 2013 Location: Herts, UK iTrader: (0)	Well that was a day Cruising down the M25, probably only doing 40, lorry tries to go from third to second lane and pushes me, then suddenly I’m spinning round and end up with my arse in the central reservation. One witness stopped and have got details. Lorry driver apologised, police came. BMW emergency services got the car towed and me back home. Have a 320d from Enterprise for a few days. All of driver side damaged, plus two alloys, plus back left quarter completely smashed. Just valued car on WBAC, £20,000. Wondering now whether it will get fixed or not. Have Gap insurance Tried to upload pictures but too big. Will certainly need two new doors, bodywork to one front and back wing, new back section and some work on the metal underneath, 2 alloys repaired, wing mirror. Repairable for £20,000 etc. Or will it be a write off?
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12-29-2018, 04:36 PM	#2
teaston Banned 10995 Rep 32,881 Posts Drives: X3 M40d Join Date: May 2012 Location: The High Seas iTrader: (1)	Sorry to hear this, at least it was just metal and plastic that got hurt! If you get the bimmerpost app you can upload any size photos easily, just go in the settings and increase the upload resolution first.
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12-29-2018, 04:38 PM	#3
C320 Captain 343 Rep 635 Posts Drives: 911 Turbo S, X5 40i, XC90 T5 Join Date: Dec 2018 Location: South Bucks / West London iTrader: (0)	Sorry to hear this must have been a scary experience. Difficult to say without pictures. However, from the extent of damage you’ve described I’d suggest that it sounds like it’s a write off given the amount of work needed, especially if there is any chassis / suspension damage. Last edited by C320; 12-29-2018 at 04:44 PM..
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12-29-2018, 04:39 PM	#4
Tengocity General 8566 Rep 19,982 Posts Drives: 911, Cayenne Turbo, Disco 4 Join Date: Sep 2013 Location: Crieff, Perthshire, Scotland iTrader: (0)	Sorry to hear this! Better the car damaged than you. __________________ Current: Porsche 911 991 C4S, Porsche Cayenne Turbo, Land Rover Discovery 4. Gone...G01 X3 M40i, Cayman S 987, F31 340i, Cayman GT4, F82 M4 CP, Lotus Exige V6, G20 330e, F30 330e, Boxster S 987, F31 335d, Mini Cooper SD, E89 Z4, E90 330d 320d, E60 520d, E46 330d 320d, MX5s, E30 325i
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12-29-2018, 04:45 PM	#5
TouringPleb Brigadier General 4372 Rep 4,230 Posts Drives: SRB 440i GC Join Date: Jan 2014 Location: Cambs iTrader: (0)	At least you are safe and well. My first accident ever was being hit by a lorry on the M25. Sounds similar to yours, lorry changed lanes and caught me with his trailer sending me into a coned off lane. Lorry didn't stop. Whatever happens with the car, it's only metal and plastic and you have insurance and Gap.
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12-29-2018, 05:05 PM	#6
Watsey Major General 6414 Rep 8,498 Posts Drives: F31 330D sDrive M Sport Join Date: Jun 2015 Location: On sabbatical. iTrader: (1)	Glad to hear that no-one was hurt. From what you describe my guess is that the car will be written off if it's a BMW repair as we know their prices aren't cheap. __________________ Current : F31 330sD, remapped, Ohlins Road & Track, Millway camber plates, Quaife LSD, Stoptech brakes + Pagid RSL1 pads all round, Weichers front strut brace, Eibach front & rear anti-roll bars, Michelin MP4S.
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12-30-2018, 05:16 AM	#7
speedski Major 547 Rep 1,066 Posts Drives: Former F40/F36/E81/E85 Owner Join Date: Jan 2018 Location: United Kingdom iTrader: (0)	Glad to hear you got out safe and that they took quick responsibility. Good that you have gap too - I'd honestly prefer to have it written off in your circumstance...
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01-08-2019, 04:05 PM	#8
jnismith Captain 311 Rep 713 Posts Drives: Golf R, Maserati Gransport Join Date: Jul 2013 Location: Herts, UK iTrader: (0)	Written off Well my lovely 440i GC with MPPSK is no more. Written off as repairs came to £23000. Insurance company have offered £25,750 which as I paid £39,000 for it 2 3/4 years ago and it’s done 36,000 miles, doesn’t seem too bad. Not sure what happens next with GAP. Do they just make up the difference between £25,750 and £39,000 or do they pay the price it would cost now? Seems to leave me in quite a good position though.
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01-08-2019, 11:34 PM	#13
johnnybforbacon Private First Class 41 Rep 115 Posts Drives: E90 325i Join Date: May 2018 Location: London/Essex iTrader: (0)	Sorry to hear that, but be thankful you came out ok. Don't worry about the payout, you've got the gap so whatever happens you shouldn't be in a negative. Hope it all turns out alright for you mate. __________________ 2013 F31 330D XDrive - Gone 2013 F20 M135i - Gone
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01-09-2019, 12:17 AM	#14
Rbrown Brigadier General 2766 Rep 4,576 Posts Drives: X3 M40i Join Date: Jun 2015 Location: Glasgow iTrader: (0)	Nightmare. At least you are safe. Hope it all gets sorted quickly.
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01-09-2019, 01:28 AM	#15
335d Touring Xdrive Captain 319 Rep 821 Posts Drives: 2016 335d Touring Join Date: Dec 2015 Location: Northumberland iTrader: (0)	Scary experience no doubt. Pleased to hear you are safe and well. Also well done for taking GAP out. So many people think it will never happen to them. And thankfully it won't. But you just never know. Enjoy choosing your next new car.
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01-09-2019, 03:56 AM	#19
chris-c Lieutenant Colonel 901 Rep 1,801 Posts Drives: F31 340i RWD Join Date: Feb 2018 Location: Kent iTrader: (0)	Glad you are okay. Sad the car is a write off and after looking more into the gap insurance it seems I got the wrong idea. I thought it would just assist in covering the difference in getting you back in a same spec car. I didnt realise that it would basically rewind time to when you purchased the car and you'd get what you bought even if it's 2 years after you purchased it. One decent write off could really cover your arse on a car with massive depreciation. Buy M5, get gap. 2 years into ownership "accidentally" smash it into a wall or something writing it off. Buy brand new M5. :O Yes this is insurance fraud but I really didnt think it'd work like that. I thought they'd just guarantee that when your insurance company value your car at XYZ amount but a real replacement is £3k more the gap would just cover that.
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01-09-2019, 04:11 AM	#20
1966-TR4 Captain 268 Rep 609 Posts Drives: F31 330D xDrive MPPK ACS Join Date: Aug 2016 Location: Edinburgh & Glasgow, Scotland iTrader: (0)	I paid 23k cash for my 2013 F31 (in 2016). I took out return to invoice GAP, if I get a write off before Sept 19 (by which point I will have put 100k miles on it) I will be quids in __________________ F31 Mineral Grey 330d Xdrive, ACS, Adaptive, MPPK. Gone but not forgotten: 1967 Triumph GT6 Mk1 (6 pot 2 litre widowmaker) 1966 Triumph TR4A (4 pot 2.2 litre, huge torque, lovely car) 2004 Audi TT 3.2 DSG Quattro (weak springs & nose heavy) 2006 VW Golf GTI (brilliant on good tyres)
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01-09-2019, 04:48 AM	#21
TodmordenLad Brigadier General 2876 Rep 3,966 Posts Drives: Audi A4 Avant Join Date: May 2015 Location: UK iTrader: (0)	Very sorry to hear your story as a fellow 440i MPPSK owner but glad that you were okay, most importantly Enjoy hunting for the new car, what are you considering? __________________ Owned: 440i GC LCI with MPPSK, F31 330D M Sport with MPPK, F11 530D SE, F11 520D SE, E61 530D M Sport, E36 325i plus many MB's, Audi's & Volvo's
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