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      09-07-2010, 08:15 PM   #5
Majikthese42
Philosopher-king
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Drives: 2008 E91
Join Date: Apr 2005
Location: People's Republic of New Jersey


Posts: 1,113
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I had something like that happen a few months ago. I was hit from behind (not in the BMW). I obtained an estimate from a body shop of my choosing, paid the deductible up front, and filed a claim with my insurance company. My insurance company then collected from the insurance company of the individual who hit me, and reimbursed me for the deductible. The insurance industry process is called "subrogation" and it took about 4 weeks.

I'd rather do that than argue with the other driver's insurance company and use the cheapest body shop that they could possibly find. There was damage behind my bumper that was not visible externally.
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E91 6MT Alpine, Terra, Xenons, ZSP, ZCW, ZPP, PDC, CA, alarm, M shifter and M brake handle, Euro rear fog light switch, Euro aspheric mirrors, rear power outlets, Garmin nüvi custom cupholder mount, Lidatek, V-1 built-in remote display, tire pump, jack, floor mats.