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Old 12-08-2018, 02:54 PM  
MIAdragon MIAdragon is offline
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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?
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Old 12-08-2018, 03:04 PM   #2
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Old 12-08-2018, 03:14 PM   #3
MIAdragon MIAdragon is offline
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Exactly
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Old 12-08-2018, 03:16 PM   #4
Supmarkus Supmarkus is offline
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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   #5
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Old 12-08-2018, 03:24 PM   #6
Hog's Gone Fishin Hog's Gone Fishin is offline
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And required by law
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Old 12-08-2018, 04:11 PM   #7
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Old 12-08-2018, 04:15 PM   #8
BWillie BWillie is offline
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Originally Posted by MIAdragon View Post
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, 04:17 PM   #9
T-post Tom T-post Tom is offline
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Old 12-08-2018, 04:43 PM   #10
TribalElder TribalElder is offline
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have it totaled

buy it back at a discount

get a check for the difference

season tickets now available
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Old 12-08-2018, 04:51 PM   #11
CoMoChief CoMoChief is offline
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Quote:
Originally Posted by MIAdragon View Post
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?
i mean was the car damaged at all or you're just afraid the person who stole it had cooties?

What is the goal you're trying to accomplish? You want to just wash your hands of it all together and hope to get a check in the mail from your insurance company?

Since it's been recovered the insurance adjuster will probably assign an estimator to go out to the site where vehicle is located and will determine damage, whether it's driveable or just cosmetic damage, may advise to have car move to a shop for further diagn.
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Old 12-08-2018, 05:25 PM   #12
Bugeater Bugeater is offline
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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   #13
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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, 05:36 PM   #14
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Old 12-08-2018, 05:38 PM   #15
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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