E90Post
 


European Auto Source
 
BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > General E90 Sedan / E91 Wagon / E92 Coupe / E93 Cabrio > Minor accident...this will buff right out...Right?



Reply
 
Thread Tools Search this Thread
      09-26-2012, 02:20 PM   #23
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

because I'm an idiot who was looking for the lowest monthly rate possible and every other insurance company was quoting me 600-800 a month and Geico gave me about $400 with the $2500 deductible.
__________________
______________________________
dd243372 is offline   United_States
0
Reply With Quote
      09-26-2012, 03:28 PM   #24
S3RI35
definitely two turbos.
 
S3RI35's Avatar
 
Drives: 09E90 (335i)
Join Date: Feb 2012
Location: Houston

Posts: 1,826
iTrader: (4)

good lord man... are you 16 or something? At that cost and deductible, I'd prefer to commute with a motorcycle.
__________________
'09 335i /i\ ZSP /|\ CA /i\ Piano Trim /|\ BMW PE /i\ AG M359
CCA Member
S3RI35 is offline  
0
Reply With Quote
      09-26-2012, 03:35 PM   #25
Joe-
Lieutenant
 
Drives: 07 E92 335i
Join Date: Jun 2011
Location: Greenwich CT

Posts: 520
iTrader: (2)

Quote:
Originally Posted by dd243372
because I'm an idiot who was looking for the lowest monthly rate possible and every other insurance company was quoting me 600-800 a month and Geico gave me about $400 with the $2500 deductible.
My deduct is 1k but thats because that was the lowest they offered with my plan, it includes vanishing deductible so every year it goes down i think its at 800 or something now. When i lived in ny insurance as like 3500 a year in ct my ins is 1600 a year huge difference.
Joe- is offline  
0
Reply With Quote
      09-26-2012, 03:39 PM   #26
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

Quote:
Originally Posted by S3RI35 View Post
good lord man... are you 16 or something? At that cost and deductible, I'd prefer to commute with a motorcycle.
lol...I'm 24...this is my first car/time having auto insurance.
__________________
______________________________
dd243372 is offline   United_States
0
Reply With Quote
      09-26-2012, 03:43 PM   #27
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

Since my insurance is accepting 100% liability would I still be able to go after the truck drivers (even though I'm at fault, he didn't have to be a dick and hit my car) insurance to see if I could recoup some of the deductible?
__________________
______________________________
dd243372 is offline   United_States
0
Reply With Quote
      09-26-2012, 03:46 PM   #28
DJtoad
First Lieutenant
 
Drives: 2010 535i M Sport
Join Date: May 2008
Location: Ellicott City, MD

Posts: 348
iTrader: (1)

Quote:
Originally Posted by dd243372 View Post
because I'm an idiot who was looking for the lowest monthly rate possible and every other insurance company was quoting me 600-800 a month and Geico gave me about $400 with the $2500 deductible.
Wait a minute. What on earth did you do in the past to warrant companies quoting you $7K-$10K a year for insurance? I know NY rates are high, especially for young drivers, but not that high. Either this wasn't your first claim or you've gotten some serious tickets/points in the past.

Also, why would you even consider filing a claim if all you're going to get them to cover is $460? Not only are your rates going to skyrocket even more for at least the next three years, the chances of you being able to switch to another company will be between zero and none. You will have moved from the "high risk" category to the "avoid like the plague" category.
__________________
2010 535i M Sport - Platinum Gray/Dakota Black/Anthracite Bamboo
Premium, Value, Cold Weather, Sport Auto, Navigation, Satellite, Logic 7, Comfort Access, Park Distance, Fold Down Rear Seats, Heated Rear Seats, Rear Side Airbags, JB4 Stage 3, BMS DCIs, BMS OCC, Proform Clear Bra, LUX H8 LED angel eyes
DJtoad is offline  
0
Reply With Quote
      09-26-2012, 03:53 PM   #29
DJtoad
First Lieutenant
 
Drives: 2010 535i M Sport
Join Date: May 2008
Location: Ellicott City, MD

Posts: 348
iTrader: (1)

Quote:
Originally Posted by dd243372 View Post
Since my insurance is accepting 100% liability would I still be able to go after the truck drivers (even though I'm at fault, he didn't have to be a dick and hit my car) insurance to see if I could recoup some of the deductible?
__________________
2010 535i M Sport - Platinum Gray/Dakota Black/Anthracite Bamboo
Premium, Value, Cold Weather, Sport Auto, Navigation, Satellite, Logic 7, Comfort Access, Park Distance, Fold Down Rear Seats, Heated Rear Seats, Rear Side Airbags, JB4 Stage 3, BMS DCIs, BMS OCC, Proform Clear Bra, LUX H8 LED angel eyes
DJtoad is offline  
0
Reply With Quote
      09-26-2012, 03:55 PM   #30
Joe-
Lieutenant
 
Drives: 07 E92 335i
Join Date: Jun 2011
Location: Greenwich CT

Posts: 520
iTrader: (2)

Quote:
Originally Posted by dd243372 View Post
Since my insurance is accepting 100% liability would I still be able to go after the truck drivers (even though I'm at fault, he didn't have to be a dick and hit my car) insurance to see if I could recoup some of the deductible?

No, you can't. The truck hit you because you went into his lane knowing he had no room to stop.
If police report and insurance company is putting you 100% at fault you have no ground to stand on.
Joe- is offline  
0
Reply With Quote
      09-26-2012, 03:58 PM   #31
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

This is my first car(honestly have no idea why all the quotes I got were so high)...first time in an accident...I assumed the first thing you do is call your insurance company...I also assumed they would do some form of investigation (need police reports and what not), they just took my statement over the phone and said I was at fault. When she said that, I told her I wasn't ready to file the claim yet..I want to get everything straightened out at the scene first. When I called back to follow up they said the claim was already filed...
__________________
______________________________
dd243372 is offline   United_States
0
Reply With Quote
      09-26-2012, 04:02 PM   #32
nukezero
Major
 
Drives: '09 335I Cpe
Join Date: Sep 2008
Location: Sunny Socal

Posts: 1,180
iTrader: (4)

$400 a month insurance is highway robbery for any BMW. That's $5k a year down the drain.

I pay $100/mo Allstate full coverage. 100/300/100.

At $400/month, I would have to own either a Lexus LF-A or Gallardo.
__________________
2009 335i 6MT - M-Sport - All stock
nukezero is offline   United_States
0
Reply With Quote
      09-26-2012, 04:04 PM   #33
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

Quote:
Originally Posted by Joe- View Post
No, you can't. The truck hit you because you went into his lane knowing he had no room to stop.
If police report and insurance company is putting you 100% at fault you have no ground to stand on.
He had room to stop because he was already stopped....and there isn't a police report ready yet (I checked online and called and they said it wasn't filed yet.)
__________________
______________________________
dd243372 is offline   United_States
0
Reply With Quote
      09-26-2012, 04:15 PM   #34
Joe-
Lieutenant
 
Drives: 07 E92 335i
Join Date: Jun 2011
Location: Greenwich CT

Posts: 520
iTrader: (2)

Quote:
Originally Posted by dd243372 View Post
He had room to stop because he was already stopped....and there isn't a police report ready yet (I checked online and called and they said it wasn't filed yet.)
I wouldn't do anything yet without a police report. You'll need to see the police report first. If the police report puts you at fault you can expect your rates to go up.

The only way your rates won't go up is if you were 100% not at fault. (even then in some insurance companys they still go up). You still are liable for your deductible however if the insurance company thinks that the trucks ins should be paying they will duke it out.
Joe- is offline  
0
Reply With Quote
      09-26-2012, 04:19 PM   #35
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

I did find that strange tha Geico said they don't need a police report...they just go by my statement..
__________________
______________________________
dd243372 is offline   United_States
0
Reply With Quote
      09-26-2012, 04:37 PM   #36
AndyR83
Major
 
AndyR83's Avatar
 
Drives: E92 335i FBO
Join Date: Oct 2011
Location: PA

Posts: 1,006
iTrader: (5)

Holy shiznit at a $2500 deductible. Progressive charges me $140 a month for full coverage with $5k in additional coverage for mods, the "OEM parts used" clause, and a $500 deductible, and I've been nervous that 500 bucks might be too much of a deductible. I just turned 29 and have a clean record except for one minor speeding ticket 2-3 years ago.
AndyR83 is offline  
0
Reply With Quote
      09-26-2012, 05:23 PM   #37
S3RI35
definitely two turbos.
 
S3RI35's Avatar
 
Drives: 09E90 (335i)
Join Date: Feb 2012
Location: Houston

Posts: 1,826
iTrader: (4)

Quote:
Originally Posted by dd243372 View Post
Since my insurance is accepting 100% liability would I still be able to go after the truck drivers (even though I'm at fault, he didn't have to be a dick and hit my car) insurance to see if I could recoup some of the deductible?


I find some things hard to believe. So Geico said you were at fault. Do you have something else to show that you weren't? A police report or something? If so, you'd want to get that. FAST. They don't care about seeing a report b/c they're already prepared to make money off you again.

There is no way you can "go after" the truck driver at this point. If anything, expect that he comes after you for his damages since you've admitted fault. Since it's probably a rented? Penske truck, he would probably have to settle things with Penske on his own or Penske will come after you to pay for damages to the truck (if any).

In this case, you probably shouldn't have involved your insurance. Best advice is to pay for it out of pocket unless you never want to see your rates go down.... and another thing - get a bike of sorts. Geico has already made a killing off you with those rates.
__________________
'09 335i /i\ ZSP /|\ CA /i\ Piano Trim /|\ BMW PE /i\ AG M359
CCA Member

Last edited by S3RI35; 09-26-2012 at 05:34 PM.
S3RI35 is offline  
0
Reply With Quote
      09-26-2012, 05:29 PM   #38
KnoxDawg
First Lieutenant
 
KnoxDawg's Avatar
 
Drives: 2014 EBII 328i
Join Date: Nov 2011
Location: Knoxville, TN

Posts: 376
iTrader: (3)

Yeahhhhh you might wanna think about paying the full repair bill outta pocket so your insurance rates don't get jacked up even higher (if that's possible). I proudly pay $459 every six months with State Farm for full coverage. Guess it helps that I've been with them with a car since I was 16 and now I'm 30.
__________________
2014 F30 M-Sport 328i, Estoril Blue, Sport Auto, Moonroof, Lighting Package, Navigation, Harman Kardon, Black Performance Grilles, Stainless Pedals.
KnoxDawg is offline   United_States
0
Reply With Quote
      09-26-2012, 05:31 PM   #39
spicytofu
Fungineer
 
spicytofu's Avatar
 
Drives: '11 E92
Join Date: May 2012
Location: DC/MD/S.FL

Posts: 230
iTrader: (1)

wow $400 a month just for insurance. I guess they really rob young/new drivers to drive nicer cars. Quarter panel replacement is not cheap, Im guess thats the bulk of the 3k bill.
spicytofu is offline  
0
Reply With Quote
      09-26-2012, 10:08 PM   #40
Florida Boy
Captain
 
Drives: TiAg 325i, oem 359m
Join Date: Dec 2009
Location: Orlando

Posts: 629
iTrader: (7)

I have never heard of rates like this i have 2 under geico 500 ded full coverage $100 a month

Shop around
Florida Boy is offline   United_States
0
Reply With Quote
      09-27-2012, 01:30 PM   #41
apme123
First Lieutenant
 
apme123's Avatar
 
Drives: 2002 Honda S2000
Join Date: May 2005
Location: Los Angeles, CA, USA

Posts: 321
iTrader: (0)

$5000-$7000k easy
__________________
apme123 is offline  
0
Reply With Quote
      09-27-2012, 01:42 PM   #42
Elliott@DetailAddict
Brigadier General
 
Drives: E90
Join Date: May 2011
Location: Santa Clara, CA

Posts: 4,448
iTrader: (0)

Quote:
Originally Posted by dd243372 View Post
everything else was 700-800 a month.


Quote:
Originally Posted by dd243372 View Post
Since my insurance is accepting 100% liability would I still be able to go after the truck drivers (even though I'm at fault, he didn't have to be a dick and hit my car) insurance to see if I could recoup some of the deductible?
You hit his car.
You even said you were trying to get around his truck. You were in the merging lane and are supposed to yield.
You will get nothing.
Elliott@DetailAddict is offline   United_States
0
Reply With Quote
      09-27-2012, 02:18 PM   #43
MontegoChris
Captain
 
Drives: 08 MB 335i 6MT
Join Date: Feb 2012
Location: San Jose, CA

Posts: 740
iTrader: (12)

that deductible is insane. You should cut a deal with a shop for like 2 grand and tell insurance to go fuck a goat. and next thing is next, call costulessinsurance.com. When my driving record was a little eeh I used them and got an amazing deal.
__________________
RemusQuadExhaust/DukeDiffuser/JB4/AFEdownpipes/BMSDCI/EibachSprings/UUCSSK/ETSChargePipe/HKSSSQV/19"BlackMiro111/CXRIntercooler/MtechF+R/M3Sides/HiKickPerformanceSpoiler
MontegoChris is offline  
0
Reply With Quote
      09-27-2012, 04:58 PM   #44
dd243372
Second Lieutenant
 
dd243372's Avatar
 
Drives: Jet Black E90 328i LCI
Join Date: Feb 2012
Location: Bronx, NY

Posts: 249
iTrader: (0)

finally got the police report....so what are my chances of not ending up in the poor house after the repairs are done?
__________________
______________________________

Last edited by dd243372; 10-01-2012 at 02:28 PM.
dd243372 is offline   United_States
0
Reply With Quote
Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -5. The time now is 04:50 AM.




e90post
Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST