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Old 11-14-2012, 09:38 AM   #31
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Join Date: Oct 2007
Location: SW Michigan
Posts: 802
My Ride: '99 323i & '00 323iT
Originally Posted by youngs View Post
they only paid 60% of the original bumper because it had some scratches at the bottom from the towing.

The bumper loss occurred when the other driver hit your car. What happened afterwards is irrelevant. It worked out for you, apparently, but...

Generally speaking, insurance companies insure what you tell them you have. Typically, you give them the model and VIN which indicates packages. The policy premium is based on that information. If you have "upgrades" that you want to insure, then you need to tell them. Do you have an CF hood and trunk? $3K wheels + $2K tires? $6K entertainment system? Maybe a $8K "chameleon" paint job? FI for the engine? etc? Don't expect these to be covered in the coverage for a "plain jane" model.
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