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Old 12-12-2010, 01:19 AM   #81
NOVAbimmer
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I know this goes against the 3rd rule but for some reason the state farm site is down and i was wondering if you had a ball park guess on how much insurance would be for an 18 year old male in Socal on a 330i (2003).
no idea
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Old 12-16-2010, 12:13 AM   #82
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So if you do not have comprehensive insurance and are involved in a 2 car accident (you and another car) and it is deemed your fault, do your rates go up? Also, how much do rates go up on average for a 21 year old if he wrecks a car. How much if he wrecks another car and so on and so on? If you get an illegal U-turn ticket and then put on 4 months probation, do your rates go up temporarily, permanently or not at all?
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Old 12-16-2010, 04:10 AM   #83
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So if you do not have comprehensive insurance and are involved in a 2 car accident (you and another car) and it is deemed your fault, do your rates go up? Also, how much do rates go up on average for a 21 year old if he wrecks a car. How much if he wrecks another car and so on and so on? If you get an illegal U-turn ticket and then put on 4 months probation, do your rates go up temporarily, permanently or not at all?
all of these questions would be answerable by your insurance company's underwriting department. It all depends on how your company determines rates based on your state's laws.

For the first one, though, I'm assuming that you mean collision coverage, if the accident is deemed your fault, your liability protection will cover the other vehicle, but you'll be left paying OOP if you want to get your vehicle fixed.
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Old 12-18-2010, 07:18 AM   #84
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With a damaged panel wether bolted on front fender or welded on rear fender, at what point do u recommend replacing as against repairing the panel? In other words, how much damage has to be present b4 u consider replacing? Also, How do u determine to replace with used original as versus aftermarket parts? I am assuming that newer cars would get new OEM replacement parts.
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Old 12-18-2010, 07:47 AM   #85
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With a damaged panel wether bolted on front fender or welded on rear fender, at what point do u recommend replacing as against repairing the panel? In other words, how much damage has to be present b4 u consider replacing? Also, How do u determine to replace with used original as versus aftermarket parts? I am assuming that newer cars would get new OEM replacement parts.
as far as a/m vs oe panels, if it's a bolt on piece, I will use an aftermarket piece for anything that's not current or previous model year. As long as a CAPA part is available from a reputable company, I will use them all day. We guarantee those parts for the life of the car as long as you own it. Weld in panels (for my company), are always OE, whether or not they're new or recycled. Recycled 1/4 panels can actually be a great way to go if you need the back end, or near the rocker, as you can tell the yard how much you need and they'll send you that. Rather than buying new, if the panel doesn't extend to cover everything you need, then you're stuck buying multiple pieces.

There's nothing worse than buying an entire new 1/4 panel and rocker (or 1/4 and rear body panel) just to use a foot of each one.

As far as repair vs replace the question is one of cost efficiency and repairability. Bolt on parts (fenders/hoods/trunks/doors/etc) are easy to make the call on. If it'll cost less to repair it than replace it, then it gets repaired. We look for the most cost-effective solution in all cases.

As far as quarter panels go, or other weld on parts, it becomes a question of what will need to be cut out, how much will need to be ordered, what the final product will look like, and how much it's going to cost.

Most panels are pretty evident whether they need to be replaced or repaired, and knowing the difference comes from experience.

Bottom line, the repair vs replace decision is one of the balance between cost effectiveness and quality of repair. The quality of repair is the highest priority when a car comes in the shop, but we are responsible to our customers for providing them that quality in the most cost-effective way possible.
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Old 12-18-2010, 01:13 PM   #86
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Hey Nova, I was wondering if insurance companies have a database about accidents that they share with each other. Assuming you have two insurance companies for two separate cars would the companies know about accidents claimed through the other company?
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Old 12-18-2010, 04:20 PM   #87
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not that I'm aware of. I know that we can pick up a phone and call another insurance company and they'll usually let us know if there are any prior accidents.
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Old 12-19-2010, 02:16 PM   #88
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Hello Mike,

Is there any reason not to destroy my copies of the annual insurance policies (term life, auto, homeowners, umbrella, etc.) each year as they expire? I like to get rid of paperwork as soon as it is prudent to do so.
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Old 12-20-2010, 07:01 AM   #89
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Hello Mike,

Is there any reason not to destroy my copies of the annual insurance policies (term life, auto, homeowners, umbrella, etc.) each year as they expire? I like to get rid of paperwork as soon as it is prudent to do so.
your actual policy? I wouldn't see any reason to keep it. I tend to keep my insurance cards, though. I put them in my file right next to my W2s and 1040s.

I can't imagine any situation coming up where I would need to prove that I had insurance coverage five years ago, but you never know.
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Old 12-20-2010, 07:02 AM   #90
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Hey Nova, I was wondering if insurance companies have a database about accidents that they share with each other. Assuming you have two insurance companies for two separate cars would the companies know about accidents claimed through the other company?
yes. searchable by name, address, phone, SSN#, etc.

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not that I'm aware of. I know that we can pick up a phone and call another insurance company and they'll usually let us know if there are any prior accidents.
seriously? You've never heard of ISOtel?
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Old 12-20-2010, 07:18 AM   #91
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yes. searchable by name, address, phone, SSN#, etc.



seriously? You've never heard of ISOtel?
no, it may be something that the internal adjusters use, though.
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Old 12-20-2010, 07:23 AM   #92
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How can you have a degree in art, be an insurance adjuster, hunting talibans and be everyday on this forum ? Are you called Jarod or am I missing something ?

Another question : Why do you got that quote in your sig ? Does it mean you agree with that statement ?
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:lmao: your posts are the best
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Old 12-20-2010, 09:21 AM   #93
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How can you have a degree in art, be an insurance adjuster, hunting talibans and be everyday on this forum ? Are you called Jarod or am I missing something ?

Another question : Why do you got that quote in your sig ? Does it mean you agree with that statement ?
degree in history. The rest is through the magic of teh interwebz

no, more quoted for the ignorance inherent therein
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Old 12-20-2010, 10:38 AM   #94
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Thanks for this thread NOVA- I remember an insurance adjuster coming in during my Driver's Ed course 10 years ago and it seemed like he just wanted to get the hell out of the room full of 15 and 16-year-olds and not answer anything, so this thread helps. Also the BMW-specific little bits here and there you've put in (i.e. M-tech bumper) help keep the sometimes confusing info to a level I can relate with.
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Old 12-20-2010, 10:42 AM   #95
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i've always wondered about this. Say someone buys a moderately wrecked car that is repairable from a private party that never reported it to any organization or insurance company. Then the person who buys it take it to their house, gets it on the insurance policy, then holds onto it for like a month, then tells the insurance company he crashed it. Does the insurance company have any way of figuring out this guy is committing insurance fraud?
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I am proposing opening up a Paypal fund for OP. The funds will directly be used in purchasing a farm so that OP can grow some balls.
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Old 12-20-2010, 12:18 PM   #96
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i've always wondered about this. Say someone buys a moderately wrecked car that is repairable from a private party that never reported it to any organization or insurance company. Then the person who buys it take it to their house, gets it on the insurance policy, then holds onto it for like a month, then tells the insurance company he crashed it. Does the insurance company have any way of figuring out this guy is committing insurance fraud?
the guys that appraise cars are very good at what they do. through paint, rust, etc they'll be able to tell the dmg is not fresh.

keep in mind, that's also insurance fraud to a T. seems like a silly thing to me to go on ur permanent record and/or jail.
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Old 12-20-2010, 12:21 PM   #97
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degree in history. The rest is through the magic of teh interwebz

no, more quoted for the ignorance inherent therein
what ? you're not a soldier curently deployed in A ?
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:lmao: your posts are the best
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Old 12-20-2010, 12:46 PM   #98
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the guys that appraise cars are very good at what they do. through paint, rust, etc they'll be able to tell the dmg is not fresh.

keep in mind, that's also insurance fraud to a T. seems like a silly thing to me to go on ur permanent record and/or jail.
this. There is the possibility that you could get away with it. But getting caught would cost you a lot more than it would be worth, including, most likely, a lack of any future insurance coverage.

I've written one of those before, and yes, it isn't tough to tell fresh damage from old damage. It's not pleasant, as the customer got really defensive about it. "Are you calling me a liar?"

"No, sir. I just don't believe a word you're telling me about this accident. And, you'll most likely be hearing from our investigations unit."

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what ? you're not a soldier curently deployed in A ?
I am. I'm in the national guard, so I have a civilian job, as well, though. I am a fanatic of many talents.
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Old 12-20-2010, 01:11 PM   #99
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Ahh thanks, thats what i though.
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I am proposing opening up a Paypal fund for OP. The funds will directly be used in purchasing a farm so that OP can grow some balls.
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Old 12-20-2010, 01:35 PM   #100
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Sorry if this has already been mentioned elsewhere in the thread, but years ago (2003) I was hit by someone else (100% their fault, they admitted it, and their insurance company paid) in my then 4-month old E46. The total bill wound up around $17k.

Long story short, I wanted to take the car to WagonWerk in Alexandria (I'm sure you know the place). The Geico adjuster said they had recently raised their paint and mechanic labor rates, and Geico refused to pay them. I wound up negotiating by not getting a rental car (my wife had a company car, and I drove her car for the literally several months my car was at WagonWerk).

Was this kosher? Can the insurance company refuse to pay the rates of a legitimate shop, and force me to have it repaired somewhere else? Had I not made a deal, what would my options have been? Sue?
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