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Old 12-08-2018, 02:54 PM   Topic Starter
MIAdragon MIAdragon is offline
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So our daily beater was stolen last week and was just recovered across the state. It was a very clean 12 335i with 90k and I actually didn’t hate driving it. Here’s the delima after being gone a week and who know what the hell happened to it/in it do I have the option to decline the return to my possession? What options do I have? And yes I immediately suspected midnightvulture, anyone seen his punk ass?
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Old 12-08-2018, 03:04 PM   #2
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Old 12-08-2018, 04:11 PM   #3
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Old 12-08-2018, 04:17 PM   #4
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Old 12-08-2018, 03:14 PM   #5
MIAdragon MIAdragon is offline
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Exactly
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Old 12-08-2018, 03:16 PM   #6
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If it’s anything like the UK, you don’t have that option - if there’s damage to it you are likely able to claim for that, but given it’s been recovered, to take the money when the car is available would not be indemnity & would cost your insurer more than returning. Best option would be to recover and sell.
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Old 12-08-2018, 03:19 PM   #7
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Old 12-08-2018, 03:24 PM   #8
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Old 12-08-2018, 04:15 PM   #9
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So our daily beater was stolen last week and was just recovered across the state. It was a very clean 12 335i with 90k and I actually didn’t hate driving it. Here’s the delima after being gone a week and who know what the hell happened to it/in it do I have the option to decline the return to my possession? What options do I have? And yes I immediately suspected midnightvulture, anyone seen his punk ass?
If you are asking if your insurance will pay you the value of your vehicle if it isn't damaged or a total loss - the answer is no.
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Old 12-08-2018, 05:25 PM   #10
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If you are asking if your insurance will pay you the value of your vehicle if it isn't damaged or a total loss - the answer is no.
If they hooned the hell out of it for a week it may still run fine at the moment and appear ok, but the life of the car could be seriously shortened. I'd consider that "damaged".
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Old 12-08-2018, 05:29 PM   #11
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If they hooned the hell out of it for a week it may still run fine at the moment and appear ok, but the life of the car could be seriously shortened. I'd consider that "damaged".
That's the tough part.

I hit a deer with a work vehicle years ago. I stopped in about 1/4 mile. The cop that did the report asked me why I didn't keep driving so that I could shell out the transmission and get it replaced.

That decision cost me a new transmission since it went out a month after getting out of the shop. Insurance didn't give a shit that the tranny was weaker due to the loss of fluid. It's either broken or it isn't after an incident. That's all they will fix.
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Old 12-08-2018, 05:38 PM   #12
MIAdragon MIAdragon is offline
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If they hooned the hell out of it for a week it may still run fine at the moment and appear ok, but the life of the car could be seriously shortened. I'd consider that "damaged".
Bingo, it a full bolt on car that’s been tuned it’s a safe bet it’s been driven like it’s been stolen. Not something I’d like to chance.
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Old 12-08-2018, 06:36 PM   #13
BryanBusby BryanBusby is offline
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If they hooned the hell out of it for a week it may still run fine at the moment and appear ok, but the life of the car could be seriously shortened. I'd consider that "damaged".
Unless you can prove the car is damaged and the cost to repair is beyond around 75% of the value, you better just plan on taking the car back.

If the OP wants the the shit gone he should probably leave it running in a bad area.
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Old 12-08-2018, 07:31 PM   #14
MIAdragon MIAdragon is offline
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Unless you can prove the car is damaged and the cost to repair is beyond around 75% of the value, you better just plan on taking the car back.

If the OP wants the the shit gone he should probably leave it running in a bad area.
Why? So someone can “borrow” it for the weekend again? And not even have the decency to return it with the same fuel level as they received!?
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Old 12-08-2018, 08:31 PM   #15
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If they hooned the hell out of it for a week it may still run fine at the moment and appear ok, but the life of the car could be seriously shortened. I'd consider that "damaged".
You are going to need to find a mechanic that can vouch for what has been compromised. Even then, very doubtful it will be a total loss unless you have an old vehicle
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