Q451990 wrote:How much is the repair estimate vs. their estimated value of the car? If you're close and they have priced all OEM new parts, you might be able to allow them to use salvage parts to get you under the ceiling. I always lean toward letting them total the car because I'm so picky about paint matching and work done outside of a factory - but that's just me...
Your damage doesn't look too bad. If you can live with the potential salvage title - you could always let them total it and pay you for the car, buy it back, and get it fixed yourself.
Heath
The estimate is just under $8k and that is without opening taking anything apart under the hood so there could be damage unseen. The insurance company is offering a payout of $10,500. I've looked online for less expensive parts to bring the bill down but haven't had much luck at all. Both headlights are broken and need to replace at a list cost of $1364 each. I've found 'em online for about $1100 each. Still a crazy price for headlights!
I have wrestled with the decision to take keep the car and take less money but worry about other damage as well as having a 9 year old car with 127k miles and knowing there will be some maintenance and I'm sure other repairs that won't be cheap coming up. At this point I'm leaning towards taking the payout and buying a 2007-8 M35 if I can find one in the right color and option package.
-Bryan