I was "t-boned" last night by a 1980 Lincoln Continental that ran a red light. Fortunately, I was not seriously injured. I have a bit of soreness, but hopefully that will go away. I haven't been through a serious claim with such a valuable asset. For reference, it is a 2007 CPO X5 that I bought 3 weeks ago with a significant down payment and then financing for the rest. So, I have a couple of questions.

1. From the pictures, do you think it will be "totaled"? The tow truck guy thought the front axle was broken.

2. My insurance company gave me two options, 1. Go through them to start the claim process, pay my deductible and get my rental car, etc. 2. Wait until the third party carrier determines liability and then deal directly with them. I assume #2 is best given that they are the insurance company for the tort-feasor. But any insight would be appreciated.

3. What type of rental car can I expect? I really don't want to drive a GEO storm for the next couple of months.

4. How does the accident affect the warranty and CPO status (there is still 6 months left on the original warranty).

5. If they repair, can I demand OEM parts based on the fact that it is still under warranty, etc.?


Anything else I should consider?
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