I was in a accident that was not my fault on Tuesday morning. A driver lost control, crossed the center line and hit me, I was then thrown into oncoming traffic and hit again on the passenger side - then I hit a light pole. All my driver side airbags went off but I was fine - not even a scratch.

The car is about 7 months old and has approx 12,000 miles on it. At what point do they total it? Every body panel has sustained major damage - the drivers front and passenger rear wheels are bent into the car and all 4 wheels and 3 tires are damaged. My rear view mirror was knocked off and the NAVI screen was cracked.

here are my questions - when I leased the car I put down $3000 to cap down my payments. What happens to that cash if the car is totaled? According to Liberty Mutual (my ins co), if the car is totaled, they pay me the actualy cash value and then BMW Financial Services will pay the difference with the gap insurance that is included in every BMW lease. So where does that leave me? I had a 39 month lease and got to use 7 months. I figure I am owed $2462.

at what point is the car actually going to be totaled? I am never going to be happy with a repair job and I feel like there is much more damage then anyone thinks. I really dont want them estimating it will cost $20,000 then it actually costing $35,000 and nothing will ever "feel right".

ahhh and nothing is as good with out pics:

http://community.webshots.com/album/547622583IVbASX

http://community.webshots.com/album/547622583IVbASX


Brian