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Originally Posted by gresch
Usually, to total out a car, the cost of repairing the damage has to be equal or greater than the remaining value of the car. Considering that the car is a lease, the insurance company will probably deal with BMWNA in making the deicsion. From the looks of the damage, you're looking at a significant amount of cost... 2 door skins, front and back quarters (and the back quarter panel is very costly to replace), front left headlight assembly, drivers side mirror assembly, front and rear bumpers, rear suspension (who knows what's broken in there), and both rims. that's not even counting the labor costs.
Consider this, when the headlights were stolen out of my '04, it was $5500. you've got significantly more damage.
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I have to think the X5 is totaled. Looking at the pictures, I'd have to add the left front suspension and possible the entire front end clip depending on how far the front bumper was pushed into the X5's right fender. There's probably a lot of non-visible damage without seeing the X5 on the rack. The labor cost to straighten it and make the wheels all point in the same direction will be big.
Laura, I didn't see where it was mentioned. Was the guy who hit you insured?
Find the best quality body shop that you can find, one that uses OEM parts, and replaces (as oppose to fixes) damaged parts. If you can't find one, maybe somewhere here can recommend one.
You should be able to get two adjusters to look at your car - one from his insurance company and the other from yours. In this situation, your insurance company should be on your side this time, protecting your interests as their client and should be supporting the best possible claim on your behalf. They should work towards ensuring that your X5 performs as good as before it was hit, or they should push the other insurance company to total it.
Take as many pictures as you can, from all sides of the car, under the hood, and underneath the car when it goes up on the rack.
If the discussion with the insurance companies gets hung up for any reason, post the issues here.
If you want to wait for the X6, but don't want to get a short term lease for an X5, then go a completely different route for the next 2 years. Go rent a 335i sedan which are plentiful and have decent lease rates. You'll lose alot of utility space, but I guarantee you that you'll look forward to those freeway on ramps every morning. After the 2 yr lease is done, the X6 should be on the market.
Or take the plunge and get that M6...
