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BMW 3-Series (E90 E92) Forum
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HELP SAVE MY e91 6MT!!! PLEASE!
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11-14-2019, 05:26 AM | #45 | |
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But I think the conversation with your insurance company changes if you have Carfax evidence that the frame was damaged in a previous accident that you were unaware of when you bought the car. Unfortunately that is the risk of buying used, people lie their ass off (even CarMax). But you shouldn't be held accountable for existing damage because of malfeasance of the previous owner. Obviously the pre-existing damage to the frame did not affect the alignment of the car, because it would affect handling and tire wear. Also, if you say the bend is where it is, I doubt your accident caused it since the panel alignment on your car post accident is near perfect. If your car can be repaired to the condition it was when you bought it, that is the responsibility of your insurance company to compensate you for.
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A manual transmission can be set to "comfort", "sport", and "track" modes simply by the technique and speed at which you shift it; it doesn't need "modes", modes are for manumatics that try to behave like a real 3-pedal manual transmission. If you can money-shift it, it's a manual transmission. "Yeah, but NO ONE puts an automatic trans shift knob on a manual transmission."
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11-14-2019, 05:32 AM | #46 | |
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All deer strikes are VA. You have it right. Mar'land is my inside joke to me. Goin' Downtheoceanhun, as the folks from Bal'mer say.
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A manual transmission can be set to "comfort", "sport", and "track" modes simply by the technique and speed at which you shift it; it doesn't need "modes", modes are for manumatics that try to behave like a real 3-pedal manual transmission. If you can money-shift it, it's a manual transmission. "Yeah, but NO ONE puts an automatic trans shift knob on a manual transmission."
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11-14-2019, 12:13 PM | #48 |
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11-14-2019, 12:18 PM | #49 |
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It's important to know that they work for you. There are things that you can request and another appraiser is one.
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11-14-2019, 01:03 PM | #50 | |
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If the car is going to salvage (which I'm doing everything in my power to avoid), they are allowing me to remove all of my aftermarket parts, but are telling me that they're going to tow it to an auto auction yard an hour away from me. I'd then have to somehow haul all of the OEM parts and my tools to this auction yard and then spend who-knows-how-long to remove and replace the parts. I told them that I want it back at my house in order to do the work. I even offered to pay for towing to my house. |
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11-14-2019, 01:26 PM | #51 | |
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If you decide to total it and give it to them, then ask for forgiveness. If you decide to total and then buy it back, then it is where you want it. If you take the time to fight the claim value then you can drive it for the next few months. Ironically you picking it up can save them on storage fees. |
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11-14-2019, 01:43 PM | #52 | ||
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11-14-2019, 01:48 PM | #53 |
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I'm assuming it's been disassembled somewhat at the shop so driving it home might not necessarily be an option. However, YOU still own the car (well..., your CU does, but NOT the ins. co.) and YOU should be able to decide what you want to do with it.
What I find kind of interesting is that they are already in the process of wanting to get it to Copart, yet are telling you you can take your stuff off it. I'm pretty sure there is no way you can go to Copart's yard and remove any stuff, so be careful.
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11-14-2019, 02:07 PM | #54 | |
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Below is the email from them in regard to Copart. And indeed, they are acting as though the salvage is a done-deal, which angers me all the more. |
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11-14-2019, 02:26 PM | #56 | |
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You need to be forceful and demand that your case be moved up to a managerial level and reassessed. Do you have a local insurance agent? And anyone who states that you don't own the car and your credit union does, is wrong. You own the car. The credit union agreed to lend you the money to buy it. You agreed to pay the credit union back for the loan. |
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11-14-2019, 02:29 PM | #57 | ||
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11-14-2019, 02:32 PM | #58 |
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Then call his ass and explain the situation. He does not want to lose your business. Be stern and in a nice, adult way, say WTF dude, what is going on with your insurance company, they are trying to fuck me over... again in a calm, stern manner.
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11-14-2019, 03:06 PM | #59 |
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Still can't believe someone in the same situation can't help you.
I mean probably a ton of people with a smashed classic, something like a 69' camaro SS, even with a bent frame, no way the owner would send it to a salvage yard. |
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11-14-2019, 03:06 PM | #60 |
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+1 on this. Lots of people on the internet have been told they can take parts off only to be denied once the car was at the yard or storage lot.
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11-14-2019, 03:12 PM | #61 | |
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11-14-2019, 07:11 PM | #62 | |
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Make sure you have ALL the details before talking with the lawyer, including name of insurer, contact info for adjuster, name & contact info of any shop that has done any work, shop's statement for services rendered to date, AND MOST IMPORTANTLY, anything YOU have signed either at repair facility, or with the Insurer. If the claim is being made under your collision coverage, you can always deal with/SUE the insurer for payment later. The shop has a lien on your vehicle and can require payment (by you if NOT by Insurer) BEFORE releasing the vehicle. It has NO right to authorize removal of vehicle by Insurer, to salvage or otherwise, UNLESS you have authorized/ approved that and effectively signed title over to Insurer. I do NOT practice law in PA. You need someone who DOES -- NOW!! George |
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11-14-2019, 08:36 PM | #63 | |
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Yes, OP owns it, but CU’s interest still comes first when it comes to any other settlement than repair.
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11-15-2019, 04:57 AM | #64 |
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True that. Regardless of what happens to the car, the OP owes the CU the loan.
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A manual transmission can be set to "comfort", "sport", and "track" modes simply by the technique and speed at which you shift it; it doesn't need "modes", modes are for manumatics that try to behave like a real 3-pedal manual transmission. If you can money-shift it, it's a manual transmission. "Yeah, but NO ONE puts an automatic trans shift knob on a manual transmission."
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11-19-2019, 04:14 PM | #65 | |
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11-19-2019, 04:21 PM | #66 |
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I was wrong about which side the defect was on. I thought it was on the side toward the engine, but it is not. After looking at the damage without the bumper cover, I can see that this accident likely caused the damage.
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