What to do? Totalled ti.

[m3outtanowhere]

My ti has 4,700 dollars worth of damage(so insurance says). I say 1300-1500 dollars. They want to total a Clubsport! I said hell no fix it! I was told that a independant company will have to research it to find out what a clubsport is and what it is worth. I am stuck in the middle. I had listed my car for sale a month before the accident for 9000 and now they dont want to pay 9000 or fix it!

What can/should I do? I had full coverage

[SDKmann]

Get screwed by your insurence company. Thats about it. I guess the only thing you can do is some how prove it is actually worth that much and then prove that the damage is not that extensive and if they dont pay then you can sue them.

[m3outtanowhere]

i have researched the car and turned in the info to the adjuster. I have reciepts from auto trader ad, documentation from the dealer, other clubsport sale prices/ads, and interested buyers. I dont know what else to do!? I have been told that 9000 is a great deal for my car. (Hard to tell from owners p.o.v.) But car was TITS! Top shape! and everything you could do to a ti short of a frame off resto. and stroke the motor!

[1996 328ti]

It's really tought to prove that it is a rare car.
When my 98 Sport/California Roof was declared a total loss they based the value as a 98 Base. It was up to me to show them ads for a 98 Sport. The California Roof was easy to add value. Plus all the options. But a 2 year old car is easier to justify the value since there is so much more to work with.

I think the best you can do is get what a 95 Sport is worth.
Or see what they will give you and then find out what it will be to buy it back. Whatever you do, don't accept a check until you are ready.

[Panzer_M]

It was a Club Sport right?

your diff is money. interior is money.

[Panzer_M]

Originally Posted by 1996 328ti

It's really tought to prove that it is a rare car.
When my 98 Sport/California Roof was declared a total loss they based the value as a 98 Base. It was up to me to show them ads for a 98 Sport. The California Roof was easy to add value. Plus all the options. But a 2 year old car is easier to justify the value since there is so much more to work with.

I think the best you can do is get what a 95 Sport is worth.
Or see what they will give you and then find out what it will be to buy it back. Whatever you do, don't accept a check until you are ready.

Get something from BMW that's says it's a Club Sport, then get a 95-96 Dealer booklet(Color Foldout w/ all the info on the model) on the 318ti Club Sport Exclusive Editions, BMW Individual.
use that as leverage.

[m3outtanowhere]

PanZer...i know that...duh But i DONT want to total one of BMW's least produced car ever...and a rare ti on top of limited numbers. The car was badass! Never even got to put down some decent lap times.

The front clip is gone...thats it. Somehow insurance tacked on rear trailing arms, rear suspension (new already), MUFFLER! and so much other crap!

[HuGo]

dude, this is the second time i hear that insurance screws you over. You got bad luck with insurance. First was the M3 and now this.

Not to mess up the thread but what is the order in value of the ti's? I know the top TI is the club sport, then whats the order?

[Panzer_M]

Originally Posted by m3outtanowhere

PanZer...i know that...duh But i DONT want to total one of BMW's least produced car ever...and a rare ti on top of limited numbers. The car was badass! Never even got to put down some decent lap times.

The front clip is gone...thats it. Somehow insurance tacked on rear trailing arms, rear suspension (new already), MUFFLER! and so much other crap!

Pictures?

Btw, find the selling prices of CS from all around the country, ads, roundel, etc. That will help cement a decent price if they do total you out. Remember it should be fair market value, and if people are paying 7-12k for club sports, show them proof in print.

[aparatchik]

Your best option? Take the cash payout, buy the car back, spend the 1300-1500 you say it will cost to get it fixed. Yes, you'll have a salvage title, but you'll still have a CS to lay down laptimes with, and some cash in your pocket to do with as you please...

It sucks tho... that's a nice car!

[m3outtanowhere]

the insurance says:
1. I can have the car and 1200 dollars w/salvage title
2. I can have 4,700 dollars
3. I'm screwed and fix it w/o insurance. Keep title
I said:
1. F**K off-pay me
2. I want 9000
3. I want car+damages w/o salvage

My insurance adjuster wont budge! At all.
On top of it all the quote for the fix was only made so high to total the car (adjuster said so). So on monday i am going to have a new estimate done and i am positive that the damages are under half the value of 4500 dollars(what they say irs worth). SOOoooo i am going to try to get them to cut me a check for 2000 dollars and keep the title.
Sound good?

Your input would help...i need money

[m3outtanowhere]

Originally Posted by Panzer_M

Pictures?

Btw, find the selling prices of CS from all around the country, ads, roundel, etc. That will help cement a decent price if they do total you out. Remember it should be fair market value, and if people are paying 7-12k for club sports, show them proof in print.

I did that last week. I found one that sold for 7000 and one for 11000

[aparatchik]

Get in touch with the BMWCCA as well... who knows what they may be able to do for you. Definitely get a second opinion on the estimate...

[drkblu318ti]

Originally Posted by m3outtanowhere

What can/should I do?

YOu should cry like me, mine wasnt as nice as yours so you should cry more.

[m3outtanowhere]

Originally Posted by drkblu318ti

YOu should cry like me, mine wasnt as nice as yours so you should cry more.

I will only ever admit this once and to a computer screen...but i did cry -a little