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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 09-27-2012, 03:12 PM   #1
Zach1111
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Help!

Got in a wreck on 8/17/12, cars been sitting in the garage as I have been paying all my money to my lawyer. And juggaling jobs. I initially didn't want to pay the deductable as its 1000$ and I thought I could fix it for less but having noticed the bar that runs over the grill and headlights, I realized its gonna cost alot more. Is it too late to go back and pay the deductable? Did I **** myself over?
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Old 09-27-2012, 03:19 PM   #2
Minnetonka
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trailor hitch?


Quote:
Is it too late to go back and pay the deductable? Did I **** myself over?
Have to ask your insurance company.
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Old 09-27-2012, 03:31 PM   #3
choxor
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Originally Posted by Minnetonka View Post
trailor hitch?




Have to ask your insurance company.


Not a question for us.
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Old 09-27-2012, 03:33 PM   #4
dpower2012
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Did I **** myself over?
Yup.
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Old 09-27-2012, 03:45 PM   #5
Mango
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It's ultimately up to your insurance company but I highly doubt they'd reject your claim cause you waited a couple months. It's a rinky dink claim to them anyway they likely will not give two sh!ts. Tear down the front of the car to find out what you really need. Don't assess it by simply opening the hood. Doesn't look that bad from here.
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Old 09-28-2012, 08:31 AM   #6
Zach1111
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Originally Posted by E46Mango View Post
It's ultimately up to your insurance company but I highly doubt they'd reject your claim cause you waited a couple months. It's a rinky dink claim to them anyway they likely will not give two sh!ts. Tear down the front of the car to find out what you really need. Don't assess it by simply opening the hood. Doesn't look that bad from here.
From what I heard tampering voids coverage. The whole front end needs to be replaced it seems. At first I thought it was only bumper, bumper reinforcement bar, and hood. But now I see its the bar that supports the radiator and the fenders possibly two as the corners no longer fit perfectly. Thought I could do it myself for under a thousand, WRONG. I'd do best to go with the deductable.

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Old 09-28-2012, 08:45 AM   #7
WDE46
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Originally Posted by Zach1111 View Post
From what I heard tampering voids coverage. The whole front end needs to be replaced it seems. At first I thought it was only bumper, bumper reinforcement bar, and hood. But now I see its the bar that supports the radiator and the fenders possibly two as the corners no longer fit perfectly. Thought I could do it myself for under a thousand, WRONG. I'd do best to go with the deductable.

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Ask your insurance company if they'll still cover it. Get an estimate from a body shop. Get check from isurance company. Repair car.
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