krimsonviper wrote:After your side swipe accident, what happened? Was that BMW a lease or something?
Man, you wouldn't believe the hassle I went through.
I told the guy at Safeco (insurance company of the woman who hit me) over and over that the car would definitely be totaled because hitting an E46 on its side would result in damage to the a-pillar. I explained to him that with E46 convertibles, the a-pillar is one single structural piece connected to the floor and the unibody, not just a piece of metal sticking out of the firewall that holds the windshield in place. Its part of what made that car so safe in a side impact.
I offered to bring him BMW diagrams and show him why he needed to total the car ASAP before initiating any repairs. Instead, he assured me that he could get Plaza Motors to fix the car properly without hitting the 80% cost-to-value limit where the state declares a car totaled.
Well, I continued to call him each day, raising my voice a few times (then apologizing), telling him that a repaired E46 convertible would NEVER be the same and I guaranteed him that it would end up totaled once they finished the job.
Eventually the repairs hit $23k while the car was worth $21k. This meant that Safeco ended up paying Plaza Motors for ALL of the repairs AND totaling the car AND paying off the entire loan to Citibank. They wasted $44k on what should have only cost them $21k had they listened to me from the beginning. The guy at Safeco who handled my case was fired. The body shop did a great job on the car but they took him for a ride by underestimating the costs.
At one point in this whole debacle, I ended up contacting my very helpful state representative who then put me in direct contact with a very helpful woman at the state insurance commission. I filed a written complaint against Safeco Insurance with the commission and made it clear to them that I was serious.
One cool bonus: BMW sent me a letter and a keychain and requesting permission to use my case in advertising about the safety of their cars (they were running an ad campaign at the time about BMW owners that came out relatively unscathed).
Then finally, Dec 31 2009, I got the settlement for my medical expenses and various knee and back issues that kept me from functioning at work. After a year and a half, that whole mess is finally over.
I miss the crap out of that car.