I really can't tell what's damaged under the body work right now. If I could buy it that cheap ($200), I probably would, and have it really checked out.

We'll see how it goes.

OP, if the car rolled over it's possible that the overall structure of the car might be impacted. if you could buy it back for $200 then you can part it out for more $ if you have the time and energy for it.

I'll post up a few pics later today.

I'm probably gripping it too tightly because over the past few months I've put around 2k and 80 hours into it, getting it ready for its next 100k miles, and I know that's money I'll never see.

What are the miles on the X5. If the miles are higher than the average then of course they will want to discount/deduct for the miles. If yous is in good condition, looks like its cared for and the mileage is average then you should fair out fine. There are plenty of other X5s to purchase if yours is a total loss and shouldn't be difficult getting back into one.

it has 173k miles, which is probably a bit more than the norm for an '05. Not too worried about the mileage adjustment - that comes with it. The thing that bites is there's no way I can buy a comparable that has had as much work done as this one has had.

I uploaded a few pics to my gallery if anyone's interested.

Sorry to hear about the truck. But glad everyone is okay.

That X5, unfortunately, has driven her last mile. That thing is not fixable without dropping double or triple it's value. And then it would come out the other end devalued obviously. Parting it is an option to make some $$$ on it if you have the space/time/willingness though.

Thanks, and I figured. I don't have anywhere to store it to part it, so we'll likely try to get a fair settlement, then look for another X5.

If you have all your receipts from recent work you should be able to get that money back plus the value of the car.

Sorry to hear about your car, luckily your daughter and friends are ok!

Insurance company will not reimburse you for repairs to the car so that 2k that you sunk into the car is long gone. They will not reimburse you for any mods that one does to a car, so if you like to mod your X and installed a Dinan exhaust that money is also long gone when it comes time to settle. That's one reason why I don't sink a lot of money in mods for any of my cars anymore.

They certainly can, will, and have. This is provided you dont have one of those budget insurance companies.