05-29-2016, 04:32 PM | #1 |
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Jerk hit my parked car in the parking lot!
I'm so pissed, I was parked in the back too. Came out and noticed it right away. No cameras in the grocery store lot either. Of course there wasn't a note. What is the cost to replace the rear bumper and paint?
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05-29-2016, 07:26 PM | #3 |
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I was recently quoted $1,278 by a BMW Collision Center to replace the rear bumper of a 2016 340ix M Sport.
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05-30-2016, 10:40 AM | #4 |
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Ask your insurance company about getting an estimate - they should either send someone to your home or work or ask you to take it to one of their facilities to evaluate the damage. Should be covered under comprehensive.
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05-30-2016, 08:06 PM | #5 |
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I went through the same thing. I was quoted $400 for paint and install, and I bought a replica bumper from europeanpartsautostore on ebay. It was an Msport bumper and fits/looks like OEM. Cost of the bumper was $350 shipped. The body shop raved about how high quality of a bumper it was for being aftermarket.
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05-30-2016, 08:24 PM | #6 |
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I feel your pain. Recently got hit while parked in my gym parking lot. No note. Hit my left rear door, rear quarter panel, rim, and rear bumper.
Gym manager was less than helpful to say the least. |
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05-30-2016, 08:32 PM | #7 |
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I have never personally experienced or heard of an incident where it would be cheaper to pay out of pocket versus using insurance, unless it's going to somehow increase your premiums (but this is only from at-fault accidents, from my understanding, which, it was a hit-a-run so you wouldn't be at fault). I'm guessing your deductible is $500 or $1,000, and it will be cheaper to pay that and have it fixed correctly, than the 1K+ replacement cost. Unless it was very minor paint damage and would buff out or require a sanding down and only repainting.
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05-31-2016, 02:10 PM | #8 |
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Same thing happen to me but on my last BMW I got hit left side rear door- mind you I parked far away from all the other cars -what I did was report to the police as a hit and run - then put a claim in with my insurance company but mine damage was worth summiting in a claim, most insurance company won't raise your premium. I feel your pain dude gook luck
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05-31-2016, 02:13 PM | #9 | |
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05-31-2016, 02:23 PM | #10 |
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apparently there's a epidemic of these idiots, same thing happened to me a few months ago, fixing and painting my original bumper was $500, I was hit on the left corner and I also had to buy the corner piece tail light. It sucks hope you get it sorted out
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05-31-2016, 06:19 PM | #11 |
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05-31-2016, 06:22 PM | #12 |
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It depends on state and your insurer though.
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06-01-2016, 12:42 AM | #13 | |
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Just as speeding points stay on your license for 3 years, they stay on your Insurance points/rating for 5 years. Furthermore, you are assigned points if in a wreck that isn't your fault and/or if you file a claim regardless of fault. |
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06-01-2016, 02:14 PM | #14 | |
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06-01-2016, 09:22 PM | #15 |
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And that's why I have dashcams hardwired on the rear and front of both my cars.
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06-02-2016, 03:16 AM | #16 | |
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Furthermore, ALL Insurance Companies are interconnected through a Nexus-Lexis data Service and can see your entire Insurance History, including coverage (and lapses) and claims....not just the past 3 years even if you change Companies. Models show that if you are in an accident whether your fault or not, or file a claim, you are more likely to be in other accidents that will cause a claim. As the OP was not at fault here, yet the other party is not paying, it's easy to see why the model works. Last edited by Kabrich; 06-02-2016 at 03:24 AM.. |
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06-02-2016, 03:25 AM | #17 |
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06-02-2016, 02:12 PM | #18 | |
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Second... any underwriting model which "shows" that if a person is in an accident or file claim, regardless of fault, then that person is likely to be in other accidents or file claims, is a broken or faulty model, since necessarily, it discounts the actual driving behavior of the insured... which any reliable model would be premised on. Third... it's Lexis-Nexis, not "Nexus-Lexis," and what they can "see" and what the law permits them to use in the underwriting process are two completely separate things. Based on professional experience as an attorney. EDIT: I just realized that you're the same genius who was arguing with me elsewhere that a judge could arbitrarily raise the fine/penalty at a traffic hearing just because the defendant chooses to fight the ticket. Won't be wasting further time engaging you in a back and forth, it's clear that you post solely for the sake of posting. Last edited by AMDG; 06-02-2016 at 07:22 PM.. |
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06-02-2016, 06:31 PM | #19 |
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I have an appointment next week to get a quote from a reputable shop. Ballpark quote over the phone was $500-1000 without seeing the damage in person. My deductible is $500 so even though I'm not at fault, if it's closer to $500, should I not go through insurance?
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06-02-2016, 06:57 PM | #20 |
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Check your policy, but since this is a hit-and-run it falls under uninsured motorist coverage on your policy that should have a lower deductible. In VA its the same for everybody @ $200. Going through insurance will get you a rental (if you have coverage) and other perks including a brand new bumper cover if you push for it. These claims won't raise your rates, but if switching to a new company in the future that company can charge more if they see a lot of claims, etc.
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06-02-2016, 07:26 PM | #21 | |
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06-03-2016, 12:35 AM | #22 | |
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