Reversed into the front of my M135i - opinion on damage

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jimBabyBMW
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Re: Reversed into the front of my M135i - opinion on damage

Post by jimBabyBMW » Wed May 16, 2018 9:09 pm

Tubes wrote:
Wed May 16, 2018 8:51 pm
Simon Site Manager wrote:
Wed May 16, 2018 7:36 pm
Nearly 3 grand FFS!!!! :-), can't see her coughing up that much. Nice to see it's being done properly tho'.
The only thing getting done here is the TPs insurers and the rest is us paying inflated premiums. That’s quite frankly disgusting from BMW!
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OP must be rubbing his hands together with the prospect of a cut and dry "not my fault Jack" resolution, but the the reality is, we "the man on the street" don't win. The only people rubbing their hands together are the insurance companies, watching their customers squabble over the scraps of life, while the man at the top flicks through the yacht brochures...

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Re: Reversed into the front of my M135i - opinion on damage

Post by OneTwenty » Wed May 16, 2018 9:16 pm

Sonic1506 wrote:
Wed May 16, 2018 3:21 pm
robmoon wrote:
Wed May 16, 2018 2:14 pm
I would rather not suffer an increased premium due to a non-fault claim.
Not all non faults increase your policy. I have two non faults and when I had my 1 Series, my renewals did not increase due to non fault accidents.
I got hit in the rear bumper on my old E81 and every time I declare it now it adds about £80 to the policy! :(

It also adds about £30 to our e91 insurance as well. :cry:
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Re: Reversed into the front of my M135i - opinion on damage

Post by R1cey » Wed May 16, 2018 9:37 pm

robmoon wrote:
Wed May 16, 2018 3:27 pm
alexyyyy wrote:
Wed May 16, 2018 3:19 pm
Not sure on the repair costs but go through your insurance its not worth getting your pollicy cancelled imo.
I've already spoken to my insurer and registered a claim. They are happy for the cost to be covered privately, rather than reclaiming the money back from her insurer, as long as the repair is up to the right standard - which it should be as it's going through BMW directly. The claim is currently on hold until I confirm whether she is willing to pay privately. If not - i.e. she can't afford it or refuses, then I can proceed with the claim as normal.

Enterprise dropping a hire car off shortly (through BMW emergency assistance) - interested to know what turns up!
Sonic1506 wrote:
Wed May 16, 2018 3:21 pm
Not all non faults increase your policy. I have two non faults and when I had my 1 Series, my renewals did not increase due to non fault accidents.
Interesting - thanks for putting my mind at ease. I've read quite a few horror stories about it going up, simply because some insurers still view you as higher risk and more likely to now be in a fault claim within the next 3 years.
If you make your insurance company aware, then it gets logged, and regardless of whether you go through them or not, IT WILL be taken into consideration at renewal, and more importantly, as it’s recorded on a database you need to declare it for the next 3 or 5 years, so you’d be wise to go through your insurance regardless of whether the third party does or not!

P.S. Several years ago, an old lady in a mini reversed into my X3 in a Sainsbury’s car park (I had stopped, she kept going). Fortunately a witness meant she was forced to admit liability (tried to deny it), but my policy was still affected for a few years even with a non-fault accident, and the “you’re statistically more likely to be involved in another accident sir” p!sh that each company spouted, really p!ssed me off. Win/Win for insurance companies, simples!! :-(
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Re: Reversed into the front of my M135i - opinion on damage

Post by Nathan135i » Wed May 16, 2018 10:11 pm

jimBabyBMW wrote:
Wed May 16, 2018 9:09 pm
Tubes wrote:
Wed May 16, 2018 8:51 pm
Simon Site Manager wrote:
Wed May 16, 2018 7:36 pm
Nearly 3 grand FFS!!!! :-), can't see her coughing up that much. Nice to see it's being done properly tho'.
The only thing getting done here is the TPs insurers and the rest is us paying inflated premiums. That’s quite frankly disgusting from BMW!
110%

OP must be rubbing his hands together with the prospect of a cut and dry "not my fault Jack" resolution, but the the reality is, we "the man on the street" don't win. The only people rubbing their hands together are the insurance companies, watching their customers squabble over the scraps of life, while the man at the top flicks through the yacht brochures...
Even though i do agree BMW are ripping the Insurers off they really can't do much else to cover themselves. If it's done at a 3rd party and the job is a bad one OP is going to be done over. If anything happens down the line OP is going to have to pay for it, at the end of the day it's not OPs fault and should get the car back to how it was via BMW. It's BMW who have to make the car roadworthy and they are responsible for the life of the driver and other road users. Still a :censored: rip off
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Re: Reversed into the front of my M135i - opinion on damage

Post by robmoon » Wed May 16, 2018 10:16 pm

jimBabyBMW wrote:
Wed May 16, 2018 8:58 pm
Jesus Christ. We're a country full of tossers aren't we.

I'd just go to my local bodyshop and get it sorted for a few hundred, new tyre, job done.

Of course BMW will replace everything that's touched.

Stiff her mate, nice one.
Hold on a second here mate. I can't physically drive the car anywhere because the tyre and wheel are screwed so what exactly am I meant to do? It was collected by BMW emergency assist and taken to my local BMW shop, which is one part of the warranty serving it's purpose. I don't have the luxury of being able to drive around to my local specialist (who I do use by the way) to get alternative quote.

The price quoted by BMW is the price, what can I do about that? Take it to a non-approved specialist and risk the BMW warranty? Please explain? I'm not saying it's a 3 grand job but it definitely isn't a "few hundred" either, stop living in a dream world mate.

If you actually read half of my posts you would see I wanted to sort it outside of insurance, but the cost is preventing me from doing so. If you have a magical solution where both parties come out unscathed then please elaborate, I'm all ears.
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Re: Reversed into the front of my M135i - opinion on damage

Post by robmoon » Wed May 16, 2018 10:26 pm

Nathan135i wrote:
Wed May 16, 2018 10:11 pm

Even though i do agree BMW are ripping the Insurers off they really can't do much else to cover themselves. If it's done at a 3rd party and the job is a bad one OP is going to be done over. If anything happens down the line OP is going to have to pay for it, at the end of the day it's not OPs fault and should get the car back to how it was via BMW. It's BMW who have to make the car roadworthy and they are responsible for the life of the driver and other road users. Still a :censored: rip off
Thank you. I'm not risking it at a non-approved non-BMW garage, as it may well cause me problems further down the line with both BMW warranty and my insurance.

If this was a wheel and tyre job, or a simple scratch, it would be over with my specialist in a heartbeat - but unfortunately this isn't the case is it. I want the car in the condition it was before she reversed into me, not a hard concept to understand.
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Re: Reversed into the front of my M135i - opinion on damage

Post by Np01 » Wed May 16, 2018 10:28 pm

Sonic1506 wrote:
Wed May 16, 2018 3:21 pm
robmoon wrote:
Wed May 16, 2018 2:14 pm
I would rather not suffer an increased premium due to a non-fault claim.
Not all non faults increase your policy. I have two non faults and when I had my 1 Series, my renewals did not increase due to non fault accidents.
I can second this when a bus went into my e46, it was a non fault never raised my premiums and kept my no claims
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Re: Reversed into the front of my M135i - opinion on damage

Post by HN1989x » Wed May 16, 2018 11:46 pm

robmoon wrote:
Wed May 16, 2018 10:26 pm
Nathan135i wrote:
Wed May 16, 2018 10:11 pm

Even though i do agree BMW are ripping the Insurers off they really can't do much else to cover themselves. If it's done at a 3rd party and the job is a bad one OP is going to be done over. If anything happens down the line OP is going to have to pay for it, at the end of the day it's not OPs fault and should get the car back to how it was via BMW. It's BMW who have to make the car roadworthy and they are responsible for the life of the driver and other road users. Still a :censored: rip off
Thank you. I'm not risking it at a non-approved non-BMW garage, as it may well cause me problems further down the line with both BMW warranty and my insurance.

If this was a wheel and tyre job, or a simple scratch, it would be over with my specialist in a heartbeat - but unfortunately this isn't the case is it. I want the car in the condition it was before she reversed into me, not a hard concept to understand.
You don’t have to justify why you’re getting your car repaired at BMW to some random person who is judging you off a forum.

You can get your car repaired wherever you want/makes you feel comfortable. Even if it was a tiny scratch, it’s your car at the end of the day.

You should just ignore posts like that.


I hope your car gets sorted quickly! :)

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Re: Reversed into the front of my M135i - opinion on damage

Post by Kerr » Thu May 17, 2018 12:52 am

HN1989x wrote:
Wed May 16, 2018 11:46 pm
robmoon wrote:
Wed May 16, 2018 10:26 pm
Nathan135i wrote:
Wed May 16, 2018 10:11 pm

Even though i do agree BMW are ripping the Insurers off they really can't do much else to cover themselves. If it's done at a 3rd party and the job is a bad one OP is going to be done over. If anything happens down the line OP is going to have to pay for it, at the end of the day it's not OPs fault and should get the car back to how it was via BMW. It's BMW who have to make the car roadworthy and they are responsible for the life of the driver and other road users. Still a :censored: rip off
Thank you. I'm not risking it at a non-approved non-BMW garage, as it may well cause me problems further down the line with both BMW warranty and my insurance.

If this was a wheel and tyre job, or a simple scratch, it would be over with my specialist in a heartbeat - but unfortunately this isn't the case is it. I want the car in the condition it was before she reversed into me, not a hard concept to understand.
You don’t have to justify why you’re getting your car repaired at BMW to some random person who is judging you off a forum.

You can get your car repaired wherever you want/makes you feel comfortable. Even if it was a tiny scratch, it’s your car at the end of the day.

You should just ignore posts like that.


I hope your car gets sorted quickly! :)
Most cars are the finance companies cars. Just fulfil the PCP agreement and there is nothing to worry about.

Don't assume that BMW bodyshops will do a better job. Some don't even have their own bodyshops.

Nearly £3000 for that damage is unacceptable. On top of the £3000 damage there will be the hire car costs and their fees. It is basically extortion that all adds to the rip off culture.

Just reading the cars you've been offered. Again it's companies loading up claims by giving you superior cars so they can rip off insurance companies and pass costs on to us.

Accepting cars like you've been offered makes you part of the problem. In some circumstances people do need a like for like car, but the cars you've been offered aren't like for like.

People can't keep moaning about the price of insurance when so many see it acceptable to push their own claims up with no consideration.

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Re: Reversed into the front of my M135i - opinion on damage

Post by Sonic1506 » Thu May 17, 2018 9:17 am

Np01 wrote:
Wed May 16, 2018 10:28 pm
I can second this when a bus went into my e46, it was a non fault never raised my premiums and kept my no claims
+1 my no claims were not affected either.
robmoon wrote:
Wed May 16, 2018 3:27 pm
Interesting - thanks for putting my mind at ease. I've read quite a few horror stories about it going up, simply because some insurers still view you as higher risk and more likely to now be in a fault claim within the next 3 years.
Speaking from personal experience. That did NOT happen to me :).

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Re: Reversed into the front of my M135i - opinion on damage

Post by robmoon » Thu May 17, 2018 9:52 am

HN1989x wrote:
Wed May 16, 2018 11:46 pm

You don’t have to justify why you’re getting your car repaired at BMW to some random person who is judging you off a forum.

You can get your car repaired wherever you want/makes you feel comfortable. Even if it was a tiny scratch, it’s your car at the end of the day.

You should just ignore posts like that.

I hope your car gets sorted quickly! :)
I appreciate it - thanks. I just came here asking for help as this is my first accident and I'm not completely familiar with the process. I'm not entirely sure why I'm being attacked to be honest. I've followed the correct process and the estimate is what it is. I can't move the car anywhere else to get alternative prices which may or may not impact the warranty/insurance at a later date, so my hand has been forced in that sense. However, I never said it was 3 grands worth of repair work - I don't think it is in the slightest. Again, like I said earlier, I wanted to sort it privately but the estimated cost has not allowed me to do so. The lady did mention she has a £1500 excess, which is why I'm guessing she wanted to sort it privately.

I'm hoping that once my insurer views the damage and quotation, they may query why it's so expensive and push BMW to justify it - which may bring the cost down?
Kerr wrote:
Thu May 17, 2018 12:52 am

Most cars are the finance companies cars. Just fulfil the PCP agreement and there is nothing to worry about.

Don't assume that BMW bodyshops will do a better job. Some don't even have their own bodyshops.

Nearly £3000 for that damage is unacceptable. On top of the £3000 damage there will be the hire car costs and their fees. It is basically extortion that all adds to the rip off culture.

Just reading the cars you've been offered. Again it's companies loading up claims by giving you superior cars so they can rip off insurance companies and pass costs on to us.

Accepting cars like you've been offered makes you part of the problem. In some circumstances people do need a like for like car, but the cars you've been offered aren't like for like.

People can't keep moaning about the price of insurance when so many see it acceptable to push their own claims up with no consideration.
Just for clarification (and I don't want to sound like an arse), I own this car, it's not under any finance agreement.

In terms of the hire car, I think you're mixing me up with a chap who posted earlier. I've got a battered 520d for 2 days as part of BMW emergency assistance, I'm not taking a hire car from my insurer. I'll just work from home and make do without.
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Re: Reversed into the front of my M135i - opinion on damage

Post by HN1989x » Thu May 17, 2018 9:53 am

Kerr wrote:
Thu May 17, 2018 12:52 am

Most cars are the finance companies cars. Just fulfil the PCP agreement and there is nothing to worry about.

Don't assume that BMW bodyshops will do a better job. Some don't even have their own bodyshops.

Nearly £3000 for that damage is unacceptable. On top of the £3000 damage there will be the hire car costs and their fees. It is basically extortion that all adds to the rip off culture.

Just reading the cars you've been offered. Again it's companies loading up claims by giving you superior cars so they can rip off insurance companies and pass costs on to us.

Accepting cars like you've been offered makes you part of the problem. In some circumstances people do need a like for like car, but the cars you've been offered aren't like for like.

People can't keep moaning about the price of insurance when so many see it acceptable to push their own claims up with no consideration.
You’re making a whole load of assumptions there.

All I am saying is there is nothing wrong with him wanting to have his car repaired at a main BMW dealership.

You’re right, there’s no guarantee that their work will be the best either HOWEVER, they offer a LIFETIME WARRANTY on their work should anything go wrong.

Superior cars? That’s your opinion. In my opinion, I don’t think any of those cars on the list are superior to my car. I would much rather drive my car than a convertible that screams balding old fat man going through a midlife crisis or a huge 4 series / E class.

The reason I was offered those cars is because I HAVE PAID for the upgraded courtesy car as part of my policy as I didn’t want to be stuck with a 1 litre Corsa or similar should I ever have to make a claim.

I am pretty sure you wouldn't pick a Nissan Micra over a BMW if you had a choice of courtesy cars so that you wouldn't be "part of the problem" even though you feel so strongly about it.

Anyway, he created this thread to ask people for their opinions on the damage to HIS car. Not offer their 2 pence on why insurance premiums are so high and that he is part of the problem because he wants his car repaired at a main dealer who unfortunately charge an arm and a leg for labour. :)

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Re: Reversed into the front of my M135i - opinion on damage

Post by marco_polo » Thu May 17, 2018 10:03 am

Bad luck on the accident OP, if they are genuinely going to replace that wheel I would request the old one back too (it is your property after all). You never know when a spare wheel will come in handy (as they're prone to buckles).

Putting this thread to bed now as it's gone a little off topic. Good luck with the repair at BMW, they're usually spot on. :)
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