Someone hit my 2013

[younghno50]

Ok, so less than 2 months of owning my new 2013 x5 SAV and I get hit in one of the worst places ever. Driver side rear wheel straight on (les than 10 mph). No body/paint damage but here is whats F'D up from what I noticed: Driver side rear wheel, alignment issues, error code "suspension malfunction", HDC and Parking Brake buttons both don't work anymore.

Car has been flatbedded to BMW Body shop near home and awaiting final damage report later today. Here are some questions if any of you can help...

How bad does this sound? Is it possible to get additional depreciation money for now having a car with suspension/frame work? If they offer to "repair" instead of replace, do I have grounds to fight to have new parts including the new 20" damaged wheel/tire?

thanks in advance.

Young

[jddssc121]

yes, if you pester them, and can show some logic in how you calculated it..........insurance will pay out "diminished value"

[ard]

Are you pressing a claim with the party that hit you?

IOf you are going through YOUR insurance they will NOT honor a "DV" or Diminished Value claim. A DV claim will take significant work.

You will almost certainly NOT be able to force a 'replacement'...you would need to have ~ $30-35k worth of damage.

First thing? Find out what they say it wrong and how much it will cost. Post a picture. The problem I have found is that BMW dealers are really poor when it comes to this stuff- they can fix codes and errors, and align the car- but damage to the frame/body that doesn't manifest as 'damaged paint' or otherwise obvious signs can be a challenge.

GL

A

[younghno50]

The only cosmetic damage was the wheel and nothing else. Luckily the giant 20" wheel took all the damage. Dealer has started the work by refinishing my wheel and sending to service for alignment to see what will go wrong after alignment. I am just hoping for the best and I won't have any future issues.

Will keep posted.

Thanks.

[Naz24]

I would think 10MPH hit wouldnt bend the frame... People have smacked the curb harder in that area and not bent the frame, I bet a few suspension components might need to be fixed, but otherwise i'd bet youre going to be ok

[ard]

Originally Posted by younghno50

The only cosmetic damage was the wheel and nothing else. Luckily the giant 20" wheel took all the damage. Dealer has started the work by refinishing my wheel and sending to service for alignment to see what will go wrong after alignment. I am just hoping for the best and I won't have any future issues.

Will keep posted.

Thanks.

Refinish?!?!

Thats foolish- new wheel certainly. A refinish is not factory durable.

imo

[Naz24]

Originally Posted by ard

Refinish?!?!

Thats foolish- new wheel certainly. A refinish is not factory durable.

imo

[BGM]

Originally Posted by ard

Are you pressing a claim with the party that hit you?

IOf you are going through YOUR insurance they will NOT honor a "DV" or Diminished Value claim. A DV claim will take significant work.

A

ard---I was hit and filed a DV claim through my insurance and they subrogated against the other person.

[ard]

Originally Posted by BGM

ard---I was hit and filed a DV claim through my insurance and they subrogated against the other person.

Interesting..Texas?

There is a state that does have DV requirements, Georgia maybe???? (But their commonly used DV formula is a silly "10% of the repairs" metric (or something like that) but at least they acknowledge the concept.)

Let me ask, did you just spitbally "I want $10k" and they said sure? Did YOU need to develop the cost basis for the claim, appraisals, etc.... then submit and wait for the other insurance to agree? Or did they pay your DV claim independently of the other insurance agreeing?

If I may ask, what kind of car and what kind of number were we talking about?

Sorry for the OT, but I am genuinely interested to hear...

A

[BGM]

Originally Posted by ard

Interesting..Texas?

There is a state that does have DV requirements, Georgia maybe???? (But their commonly used DV formula is a silly "10% of the repairs" metric (or something like that) but at least they acknowledge the concept.)

Let me ask, did you just spitbally "I want $10k" and they said sure? Did YOU need to develop the cost basis for the claim, appraisals, etc.... then submit and wait for the other insurance to agree? Or did they pay your DV claim independently of the other insurance agreeing?

If I may ask, what kind of car and what kind of number were we talking about?

Sorry for the OT, but I am genuinely interested to hear...

A

Not sure if it's a Texas thing or not. I ended up having to file the claim on my insurance at first because the other driver only carried $15K coverage my damage was getting close to $17K and they were taking too long to process the claim. I have had Allstate forever and they said we will file a claim under Allstate to get the ball rolling (doesn't go on my record) and I mentioned the DV--they said I can file that on mine then they will take care of the rest (I'm guessing they went legally after her assets for everything above the $15K she had coverage for). I had to get 3 estimates on the value of my car pre-accident and Allstate said they will take the middle one so it was not a value I came up with. It ended up being a $7K DV claim (value pre-accident was $28K--'01 X5 in 2006) and my repair damages were approaching $20K.