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BMW 3-Series (E90 E92) Forum
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Hit guard rail, is this repairable or should I forget it?
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05-06-2019, 07:31 PM | #46 | |
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It's a gamble, the insurance company hopes you don't use it and they profit. But they have to use statistics to figure out your risk. I got rear ended by a pickup at a light 4 years ago. Dude thought I turned right and pulled forward, like 5mph. $3100 later car is back like new. That day the insurance company lost |
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05-06-2019, 10:44 PM | #47 |
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Do you have access to a lot of tools? You could buy a shell and swap in your engine. Sell all the parts you're left with. Not sure what it's like in the Bay Area but here in SoCal there's so many high mileage 335i's for sale for dirt cheap.
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05-06-2019, 11:58 PM | #48 | |
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Let's just say, an ambulance chaser sued me (years after what was basically a fender bender) and I could have lost everything - my house, my savings, my family, etc. In fact, I doubt I will ever pay back even half of what they ended up covering me for, and that was settling out of court. |
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05-07-2019, 07:50 AM | #49 |
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Something people don't think about is umbrella policies for liability, they can be cheap and cover the value of all of your assets.
Financially it is better to not pay for full coverage but you'd better be pocketing that cash for when something happens |
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05-07-2019, 08:00 AM | #50 | |
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05-07-2019, 08:24 AM | #51 | ||
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Plus it's a battle none of us can get out of because most everyone in the United States must have insurance I think there's only a few states that don't require it
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05-07-2019, 12:27 PM | #52 |
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I don't agree. Comprehensive coverage is like $25 a month on my 330i. That would take a long time to save enough to replace the whole car if it was a total loss. I'd have $1500 saved by now in cash (5 years), but I'd be negative $3500 in insurance coverage that I've received so far.
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05-07-2019, 12:43 PM | #53 | |
How I can just KiLLAMaN
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05-07-2019, 11:52 PM | #55 |
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they don't always win, you hit someone and they pay out 200k there never getting that money back from you. that's why they call it insurance. $400 month just for comprehensive is nuts though. they're literally expecting you to total the car lol.
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05-08-2019, 12:06 AM | #56 |
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As someone that lives in the Bay Area like OP, trust me everything is expensive here.
Makes me kind of glad I didn't get my BMW until I had 10 years of driving experience. Looking back, that 97 Corolla that I inherited from my dad was definitely the best car for a new driver to go through high school and college with. |
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05-17-2019, 01:57 AM | #57 |
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Okay you guys thanks for all the replies, I have calmed down since the accident now and I think its really best to part ways with it...I am now looking for buyers and have found a few for this crumpled thing lol also am now looking to get into an E90 335i. From the sales of that car and what I saved I could get an E90 335i it seems.
Also to clarify: My insurance was $100/month for liability only but when I was asking around for full coverage it was over $300/month everywhere and it didn't make any sense to me financially since I pretty much saved well over $4000 already by now by not opting for full coverage. |
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335i, accident, crash, e92, guardrail |
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