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General E46 Forum
This is the place to get answers, opinions and everything you need related to your E46 (sedan, coupe, convertible and wagon) BMW!

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Old 11-01-2012, 12:16 PM   #1
youngs
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front bumper recognition needed. insurance issue incl.



this is the way I've bought the car. seems like not the factory oem one.
can anybody tell this is the oem bumper or not?

if I had an accident and make the insurance pay for this bumper , are they not going to pay for this bumper cover?


got some horrible situation with insurance. need to get some advice from all fanatics. thank you in advance.
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Old 11-01-2012, 12:20 PM   #2
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M-Tech II
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Old 11-01-2012, 12:25 PM   #3
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aftermarket M3 bumper?
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Old 11-01-2012, 12:32 PM   #4
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M Tech II. It's perfectly plausible, and considering the age of your car, quite likely that it was installed from the factory, it all depends on the original spec of your car. However, I don't think an insurance company would pick up on it, or particularly care if it was added; I know mine certainly wouldn't. M Tech II bumpers are very common on facelift coupes so would probably go under the radar.

See if you can find the original spec sheet of your car.
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Old 11-01-2012, 12:32 PM   #5
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That looks like a poorly fitted aftermarket Mtech II bumper.
Chances are, the insurance company will just put on the proper, "regular" bumper. Curious to know how it works out though.
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Old 11-01-2012, 12:36 PM   #6
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That looks like a poorly fitted aftermarket Mtech II bumper.
Chances are, the insurance company will just put on the proper, "regular" bumper. Curious to know how it works out though.
Thank you all. I will post up how's it gonna be. it could be from the factory , or aftermarket? damn I don't want the regular bumper though.
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Old 11-01-2012, 12:41 PM   #7
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Thank you all. I will post up how's it gonna be. it could be from the factory , or aftermarket? damn I don't want the regular bumper though.
Haha. I don't blame you. The bumper on my old 330 looked like it was wearing a mustache. Yours is a facelifted coupe though, which looks different, but still not good.

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Old 11-01-2012, 12:45 PM   #8
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looking at the side skirts the car is non M Sport, with M bumper added, just curious what is you rear bumper like, is it standard or M Sport., this would point to after market install or not.
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Old 11-01-2012, 12:57 PM   #9
E RaK
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Yes you could easily pass that off as said before, it's quite common and essentially the same cost to replace.
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Old 11-08-2012, 02:12 PM   #10
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Yes you could easily pass that off as said before, it's quite common and essentially the same cost to replace.
just wanted to verify if this is correct

thought coupe shape was way different from sedan so i'm not sure how it would fit easier?
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Old 11-08-2012, 04:38 PM   #11
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just wanted to verify if this is correct

thought coupe shape was way different from sedan so i'm not sure how it would fit easier?
That post was written before you notified us that the bumper you had was for the wrong bodystyle. It is not so easy to make them work and will probably cost more. Why can't you source a coupe M-tech 2? It should be just as easy to get

Summary: They make OEM m-tech 2 bumpers specifically for coupes as well. Get that, don't fiddle with a sedan bumper.
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Old 11-01-2012, 02:48 PM   #12
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Just talked to insurance , and he can only replace it to original non-m bumper. so maybe I should tell to the bodyshop to fix the aftermarket bumper. Thank you all I will keep you guys posted.
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Old 11-01-2012, 02:59 PM   #13
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Just tell them that was an option the factory and it isn't recorded on the VIN.
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Old 11-01-2012, 03:02 PM   #14
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Just tell them that was an option the factory and it isn't recorded on the VIN.
is it possible to have any option no implied to VIN? they said they already check by the VIN and the bumper isn't included in any of the package I have.
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Old 11-01-2012, 09:01 PM   #15
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is it possible to have any option no implied to VIN? they said they already check by the VIN and the bumper isn't included in any of the package I have.
Yeah, a few. Wheels come to mind. When you order specific factory wheels with a car, the VIN does not say anything about them.

The M-Tech II bumper and regular bumper are going to be a negligible cost difference to the insurance company, so just try for it. And if they won't do it, tell them you want aftermarket and show them the $120 one. I'm sure they'd be happy to make an exception.

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Whomever had the car before you added the side M3 mirrors as well as the trunk spoiler so I assume the bumper was an add on as well, also I don't believe the OEM bumper has side markers on it.
It does, and they are a fugly amber I can't wait to get white ones.
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Old 11-01-2012, 03:05 PM   #16
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Just talked to insurance , and he can only replace it to original non-m bumper. so maybe I should tell to the bodyshop to fix the aftermarket bumper. Thank you all I will keep you guys posted.
Tell the body shop you want the m tech II bumper.
Do all the leg work for them by providing the exact bumper with links, and phone numbers for the supplier. Chances are the Body Shop will make a bit more money off the part, depending on how much your insurance allocates to the new bumper.... likely it will be the same or even less money for the aftermarket MT2 bumper...so the shop wins and you win.
Good luck.

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Old 11-01-2012, 03:57 PM   #17
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Cant you just cash out claim, and take it to the body shop yourself? You can just buy another bumper.
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Old 11-02-2012, 12:44 AM   #18
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Cant you just cash out claim, and take it to the body shop yourself? You can just buy another bumper.
This.

You are entitled, as a paying customer of insurance, to obtain the check from the insurance company for the repair and go where ever you want to get it fixed. Remember YOU are the one that is insured, not the autobody company. Your car has been damaged. You can chose to do the work yourself if you want, so you can get the check cut to you.

You should go to at least 2, if not 3 shops and get estimates for the repair from all the shops. File the estimate that most suites you (without totaling the car) to the insurance company. Ask them to cut you a check for the repair. Go to the repair shop of your choosing and give them the parts list for the OEM MTech II bumper and let them fit and paint to match your car. Chances are you may come out slightly ahead. Note this is NOT fraud, it's how the system works.

If you want to know who the shops are that charge the most for their work go to your local autobody supply shop (yellow pages - too many hits on the internet) and ask who does the best work. Get your estimates from those shops. The autobody supply shops are kind of like a wholesale paint and body shop supply depot for the local autobody shops.

GL
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Old 11-02-2012, 05:04 PM   #19
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Originally Posted by TitaniumCranium View Post
This.

You are entitled, as a paying customer of insurance, to obtain the check from the insurance company for the repair and go where ever you want to get it fixed. Remember YOU are the one that is insured, not the autobody company. Your car has been damaged. You can chose to do the work yourself if you want, so you can get the check cut to you.

You should go to at least 2, if not 3 shops and get estimates for the repair from all the shops. File the estimate that most suites you (without totaling the car) to the insurance company. Ask them to cut you a check for the repair. Go to the repair shop of your choosing and give them the parts list for the OEM MTech II bumper and let them fit and paint to match your car. Chances are you may come out slightly ahead. Note this is NOT fraud, it's how the system works

If you want to know who the shops are that charge the most for their work go to your local autobody supply shop (yellow pages - too many hits on the internet) and ask who does the best work. Get your estimates from those shops. The autobody supply shops are kind of like a wholesale paint and body shop supply depot for the local autobody shops.

GL

Most of what you state is incorrect. The insurance is going send an adjuster to give an estimate, the check they give you is based on that estimate alone!
You roll the dice in this situation...and here is why...
If you take your car to the repair shop and let them handle everything and they find additional damage that the adjuster missed they can file for a supplement for the additional damage.

If you decide you want to try to make a few $$$ and get a check cut to you so that "you can everything on your own" if there is an additional issue with the car they will not be willing to help you out since you are not a registered repair shop.

I know this because I worked for an insurance company as an adjuster for 8 years!
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Old 11-03-2012, 03:22 AM   #20
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Most of what you state is incorrect. The insurance is going send an adjuster to give an estimate, the check they give you is based on that estimate alone!
You roll the dice in this situation...and here is why...
If you take your car to the repair shop and let them handle everything and they find additional damage that the adjuster missed they can file for a supplement for the additional damage.

If you decide you want to try to make a few $$$ and get a check cut to you so that "you can everything on your own" if there is an additional issue with the car they will not be willing to help you out since you are not a registered repair shop.

I know this because I worked for an insurance company as an adjuster for 8 years!
Maybe it depends on the state, I'll grant that, but what I stated is correct, and I have done it three times. What you brought into the conversation is an additional variable, filing a supplemental for additional damage. Again that is also something that you can work with the autobody shop with and do the leg work yourself, filing the supplemental and getting it covered based on evidence the body shop brings forward. In this state the body shops do a lot of the leg work for the adjusters. If things get expensive you're probably going to be contacted by an adjuster that may want you to take it to someone else. Rarely do they want to come and see it, but who cares if they do... providing it's legitimate.

Accidents happen so frequently in the bigger cities like Seattle that the adjusters just call you for 5 minutes on the phone and tell you to go visit a couple of autobody shops and fax them the quotes. Maybe it happens differently in other states but I can't imagine how it's that much different given the amount of work a single adjuster needs to get done in a day.

Bottom line - you are entitled to the check for the repairs. You can work with the adjuster and the repair shop to determine the value of the repair. If there are extenuating circumstances, submit an extension and have the shop explain the issue. At the end of it you can also take the money, buy all the tools, paint, and parts, and do all the work yourself including the full bumper kit. Doing exactly this I purchased the full body kit, (got hit in the front) a 60 Gal, 18 CFM, 240V air pump, the air hose an Iwatta LPH400-LV (top end paint gun) a lifetime supply of sandpaper and a Dynabrade 3/32" orbital disk sander, along with PPG paint, thinner, cleaner, clearcote and catalyst for way less expensive then the repair was going to cost.

This is not inaccurate information but maybe by the state that it occurs in things happens differently.
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