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E46 M3 (2001-2006) Engine: S54 - Max Hp: 333 hp at 7,900 rpm / 262 lb/ft at 4,900 rpm
Total Produced: 45,000+ - Years Produced: 2001 to 2006.


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Old Wed, Oct-30-2019, 06:56:27 PM   #1
brandontrek
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Default Advice on fighting insurance for the value (LSB rear ended)

Well, don't know if the car is totaled yet, but just getting ready for a fight. Does anyone have any suggestions for getting market value of their car?




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Old Wed, Oct-30-2019, 07:21:42 PM   #2
lmtfi
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

That looks fairly minor.

Market value is based upon sales of that year/model (not advertised/asking prices). Insurers have access to market sales data.
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Old Wed, Oct-30-2019, 07:26:29 PM   #3
royalflushness
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

My worst nightmare. I'm sorry bud. It does not look totaled to me but you never know what the insurance company may decide. Keep in mind the cost of fixing that thing properly and blending all the panels may be allot.

I have been considering getting mine appraised and insured on the appraised value for this reason. Cant trust anybody on the road these days.
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Old Wed, Oct-30-2019, 07:38:22 PM   #4
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

Get stated value insurance. Too late to help here, but for others. For current comparables, lsb has the inflated color price so I would hound on that. Find all the recent lsb auctions to submit.
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Old Wed, Oct-30-2019, 07:43:31 PM   #5
ATB88
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

I'm sorry for your less -- even if things end up good, for the loss of your time. Insurance claims are always the worst.
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Old Wed, Oct-30-2019, 07:55:43 PM   #6
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

exhaust was bent in 2 sections(muffler and section 2), trunk floor pushed in a good 5 inches.

This car is the exact same spec with 30k more miles

https://bringatrailer.com/listing/2004-bmw-m3-44/
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Old Wed, Oct-30-2019, 08:49:25 PM   #7
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

Mine was hit in a similar way. Though without the exhaust and boot floor damage. Bill came 12k cdn. Car was not totalled but literally on the brink of being.

It was also one of the best body shops(read pricey) in the city so thats a factor in the price.
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Old Wed, Oct-30-2019, 10:05:48 PM   #8
Paolo_M3
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Default Advice on fighting insurance for the value (LSB rear ended)

My last car was hit like this and the damage was nearly identical. It was kind of a nightmare to deal with but, I worked with a very high end shop to get my appraisal somewhere where I was happy. I paid the shop a small fee for their time, took the check and sold the car as is on craigslist.

I think I got more than what my car was worth, and someone with the right connections got a deal on a car that they could fix up and enjoy.

Even rear-ended, your LSB is worth a pretty penny.


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Last edited by Paolo_M3; Wed, Oct-30-2019 at 10:10:29 PM.
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Old Wed, Oct-30-2019, 10:59:14 PM   #9
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

Quote:
Originally Posted by brandontrek View Post
exhaust was bent in 2 sections(muffler and section 2), trunk floor pushed in a good 5 inches.

This car is the exact same spec with 30k more miles

https://bringatrailer.com/listing/2004-bmw-m3-44/
Jesus, time to up my stated value insurance! 20k for a LGSB with 185k on it and an accident history?!? That's a little crazy, but I guess it got that BAT bump. Looks well sorted with all major potential problems except for rear subframe taken care of.

As another user stated, stated value insurance is the way to go on these. I've got my 97k mi LSB 'vert insured for 18k, though I opted for collector car insurance, which limits me to 5k miles a year (not a problem) so I only pay like $40 a month for full coverage.

If they want to total it and you don't want them to, see what you can find on completed ebay and BAT listings so you can assert a higher value than they might assign it and, in the end, if they still wind up totaling it, you've already prepared or submitted higher value comps.
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Old Wed, Oct-30-2019, 11:07:13 PM   #10
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

Quote:
Originally Posted by oneswellfoop View Post
As another user stated, stated value insurance is the way to go on these. I've got my 97k mi LSB 'vert insured for 18k, though I opted for collector car insurance, which limits me to 5k miles a year (not a problem) so I only pay like $40 a month for full coverage.
Who did you go through?
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Discussing Advice on fighting insurance for the value (LSB rear ended) in the E46 M3 (2001-2006) Forum - Engine: S54 - Max Hp: 333 hp at 7,900 rpm / 262 lb/ft at 4,900 rpm
Total Produced: 45,000+ - Years Produced: 2001 to 2006. at BMW M3 Forum.com (E30 M3 | E36 M3 | E46 M3 | E92 M3 | F80/X)