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MIAdragon · 12-08-2018, 02:54 PM

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?

**Buehler445** · 12-09-2018, 12:16 AM

Sucks about the car, man. People suck.

Unfortunately, I'd guess you're boned. The shit thing is that even with insurance, if bad shit happens you don't come out whole. Sucks, but it is the nature of shit.

People suck. **** people.

cooper barrett · 12-09-2018, 01:16 AM

IMHO 90K miles on a well maintained F30 is nothing and being driven hard for a week doesn't phase them. If it was stolen by Bueller, that's another story.

I would have pictures and receipts ready but would not volunteer them until the word total is used.

I would get the shop (you are in good graces with) to vouch for the fact that the car was flawless and that it is now not running, driving, or shifting as it did on last service visit. There is a lot of unknown info about this car, mileage since stolen, body damage, and even if there were tires and wheels on the car. *** remember that you control where your car gets repaired.
Just tell the shop manager/ owner that you don't want it back and they will steer the insurance adjuster towards totaling the car. If it was not badly hurt and the wheels are still on it, undamaged with even wear and no abuse signs than you're getting your car back.

The key is to have your shop note, in writing, on paper(estimates and invoices) that becomes part of the file, that they feel the car was seriously compromised and why. If the steering or suspension has been damaged (strut noise, popping or a pull can get expensive quickly. If they drove the wheels off of it, the tires may be down to the belts, the wheels gouged, and the interior and body may need expensive repairs.Your shop can make notes to the effect that implies need to diagnose shifting or engine issues. They may request oil and tranny fluids be tested and failure of the ins. co. to authorize would leave the door open for them to pay future claims.*

You should refer to your state's laws on "Diminished value" as this will appear on CARFAX and other services.
I made State Farm buy back a Benz 320 SLK that was not fixed right (up to Mercedes standards) and found them only wanting to verify proof sources to make decisions. Aristocrat's used car manager wrote a letter stating diminished value. Additionally, letter from Frank Eveland at Eveland Bros. Collision Repair, Inc. stating that the car was compromised beyond proper repair made State Farm offer up an check for almost what was paid for the car along with generous payment for my time away from work and expenses. No bickering whatsoever. I bought my SLK32-AMG with the proceeds.

*Unlike the tranny mentioned above you can make a claim after the fact and most good insurance companies will make good if the claim is plausible to the original claim.

dlphg9 · 12-09-2018, 02:03 AM

Quote:

Originally Posted by BWillie

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

Good thing we have a mod that's a mechanic and he will vouch for him.

How much you gonna charge him, Sauto?

**Buehler445** · 12-09-2018, 02:54 AM

Quote:

Originally Posted by cooper barrett

IMHO 90K miles on a well maintained F30 is nothing and being driven hard for a week doesn't phase them. If it was stolen by Buhler, that's another story.

What the **** did I do? I drive like a grandpa most of the time.

Chargem · 12-09-2018, 05:05 AM

Would it be douchey just to sell it ASAP?

**cabletech94** · 12-09-2018, 07:33 AM

Quote:

Originally Posted by Buehler445

What the **** did I do? I drive like a grandpa most of the time.

at least I spell buehler right (time to time).

**Bugeater** · 12-09-2018, 09:27 AM

Quote:

Originally Posted by Chargem

Would it be douchey just to sell it ASAP?

Absolutely a total douche move. And it's exactly what I would do.

cooper barrett · 12-09-2018, 09:58 AM

Quote:

Originally Posted by Buehler445

What the **** did I do? I drive like a grandpa most of the time.

scho63 · 12-09-2018, 10:55 AM

Of all the things that have confused and confounded me my whole life, insurance of any kind is at the top of the list, especially medical and life.

Never seems there is an ability to compare apples to apples.

**Buehler445** · 12-09-2018, 11:39 AM

Quote:

Originally Posted by cooper barrett

That's Bueller dog.

Not particularly close to what you referenced.

cooper barrett · 12-09-2018, 11:50 AM

Quote:

Originally Posted by Buehler445

That's Bueller dog.

Not particularly close to what you referenced.

yep, I typo'ed and at you expense. Sorry

Now back to your driving with your panties in a wad

**Buehler445** · 12-09-2018, 01:02 PM

Quote:

Originally Posted by cooper barrett

yep, I typo'ed and at you expense. Sorry

Now back to your driving with your panties in a wad

Meh. Not my fault your spelling is bad enough regarding a cult classic that it looks like you're hurling random insults my way.

dlphg9 · 12-09-2018, 01:35 PM

Quote:

Originally Posted by Buehler445

Meh. Not my fault your spelling is bad enough regarding a cult classic that it looks like you're hurling random insults my way.

Cooper is a ****ing reerun man.

BWillie · 12-09-2018, 03:47 PM

Quote:

Originally Posted by scho63

Of all the things that have confused and confounded me my whole life, insurance of any kind is at the top of the list, especially medical and life.

Never seems there is an ability to compare apples to apples.

I like how people get mad at insurance because they will put them in the same position as before the loss - not a better one. Like it's the insurance companies fault. You better buy me a brand new car even though I had a 7 year old hoopty! You better pay me 2 million because I'm an old decrepit 60 year old and broke my arm in the accident! It isn't your insureds fault but you still owe me money because "we pay for insurance"! Most of it is no logical thought process - just feelings.

**SAUTO** · 12-09-2018, 03:50 PM

Quote:

Originally Posted by BWillie

I like how people get mad at insurance because they will put them in the same position as before the loss - not a better one. Like it's the insurance companies fault. You better buy me a brand new car even though I had a 7 year old hoopty! You better pay me 2 million because I'm an old decrepit 60 year old and broke my arm in the accident! It isn't your insureds fault but you still owe me money because "we pay for insurance"! Most of it is no logical thought process - just feelings.

what if it is their insured's fault?

12-08-2018, 02:54 PM
MIAdragon Someone pass the antifreeze Join Date: Oct 2005 Location: Miami (North Cuba) Casino cash: $1687819	Auto insurance experts advice. 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?
Posts: 15,767

12-09-2018, 12:16 AM	#31
Buehler445 Supporter Join Date: Apr 2007 Location: Scott City KS Casino cash: $2404734	Sucks about the car, man. People suck. Unfortunately, I'd guess you're boned. The shit thing is that even with insurance, if bad shit happens you don't come out whole. Sucks, but it is the nature of shit. People suck. **** people.
Posts: 56,740

12-09-2018, 01:16 AM	#32
cooper barrett MVP Join Date: Aug 2017 Casino cash: $10000400	IMHO 90K miles on a well maintained F30 is nothing and being driven hard for a week doesn't phase them. If it was stolen by Bueller, that's another story. I would have pictures and receipts ready but would not volunteer them until the word total is used. I would get the shop (you are in good graces with) to vouch for the fact that the car was flawless and that it is now not running, driving, or shifting as it did on last service visit. There is a lot of unknown info about this car, mileage since stolen, body damage, and even if there were tires and wheels on the car. *** remember that you control where your car gets repaired. Just tell the shop manager/ owner that you don't want it back and they will steer the insurance adjuster towards totaling the car. If it was not badly hurt and the wheels are still on it, undamaged with even wear and no abuse signs than you're getting your car back. The key is to have your shop note, in writing, on paper(estimates and invoices) that becomes part of the file, that they feel the car was seriously compromised and why. If the steering or suspension has been damaged (strut noise, popping or a pull can get expensive quickly. If they drove the wheels off of it, the tires may be down to the belts, the wheels gouged, and the interior and body may need expensive repairs.Your shop can make notes to the effect that implies need to diagnose shifting or engine issues. They may request oil and tranny fluids be tested and failure of the ins. co. to authorize would leave the door open for them to pay future claims.* You should refer to your state's laws on "Diminished value" as this will appear on CARFAX and other services. I made State Farm buy back a Benz 320 SLK that was not fixed right (up to Mercedes standards) and found them only wanting to verify proof sources to make decisions. Aristocrat's used car manager wrote a letter stating diminished value. Additionally, letter from Frank Eveland at Eveland Bros. Collision Repair, Inc. stating that the car was compromised beyond proper repair made State Farm offer up an check for almost what was paid for the car along with generous payment for my time away from work and expenses. No bickering whatsoever. I bought my SLK32-AMG with the proceeds. Unlike the tranny mentioned above you can make a claim after the fact and most good insurance companies will make good if the claim is plausible to the original claim. __________________ Last edited by cooper barrett; 12-09-2018 at 11:43 AM..*
Posts: 13,669

12-09-2018, 05:05 AM	#35
Chargem Veteran Join Date: Feb 2018 Casino cash: $3990400	Would it be douchey just to sell it ASAP?
Posts: 2,271

12-09-2018, 10:55 AM	#39
scho63 Politically Incorrect Join Date: Feb 2009 Location: Scottsdale, AZ Casino cash: $2861110	Of all the things that have confused and confounded me my whole life, insurance of any kind is at the top of the list, especially medical and life. Never seems there is an ability to compare apples to apples. __________________ *"The only difference between sex for free and sex for money is that sex for free costs you a WHOLE LOT more!"* ~Redd Foxx~ ~~2018 2019 2020 20212022 2023~~ 2024 Adopt a Chief - Clark Hunt and Brett Veach "The men who drafted Patrick Mahomes"
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