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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, 11:11:21 PM   #11
oneswellfoop
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

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Originally Posted by Aeko View Post
Who did you go through?
I've got a bunch of other policies through State Farm so I got a slight discount for adding an extra car. Most insurers should be willing to offer you a similar deal, though.
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Old Thu, Oct-31-2019, 12:02:46 AM   #12
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

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Originally Posted by Paolo_M3 View Post
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.


What color is that car?
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Old Thu, Oct-31-2019, 12:04:35 AM   #13
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

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What color is that car?
Interlagos Blue on a gloomy day, looks almost purple sometimes.
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Old Thu, Oct-31-2019, 12:12:16 AM   #14
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

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Interlagos Blue on a gloomy day, looks almost purple sometimes.
I thought it was CB for a sec

But oh man an interlagos? I have the same sentiment as you do towards the LSB. I would have tried to save that!
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Old Thu, Oct-31-2019, 02:18:59 PM   #15
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

You may want to hire an automotive appraiser to generate a report. Essentially, the report sends the message "if I have to file a lawsuit, here are the damages my expert would testify to."

The appraiser should look at sales of similar cars, maybe talk to some dealers about their opinions, and then write it up with pictures and printouts of supporting material. I think BaT is a great source of information for this kind of thing, but there are probably other sources as well.
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Old Thu, Oct-31-2019, 02:36:05 PM   #16
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

Honest opinion, that's not really "minor" damage. That body line between the trunk and rear bumper is one of the hardest to work on for the E46. I had to fix mine and it was a huge pain. I wouldn't be surprised if it gets totaled out. If it does get totaled out, I would ask to buy it back and then you should have it fixed and just enjoy it.

As far as fighting for a price you think is fair, just show them similar ads for other LSB's with similar mileage.
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Old Thu, Oct-31-2019, 04:12:09 PM   #17
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

Updated pics with better lighting






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Old Thu, Oct-31-2019, 05:02:51 PM   #18
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

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Originally Posted by oneswellfoop View Post
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.


That was my car. To be fair I also did the rear subframe.

OP hopefully you can use my car as a comparable. Maybe even say yours is worth more!


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Old Thu, Oct-31-2019, 08:16:51 PM   #19
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

The fact that the frame rail appears not to have crumpled at the point where it meets the RACP area (where you'd cut to install a VinceBar) makes me think maybe this car isn't totaled.

I bought an insurance settlement car from a forum member here with a near EXACT hit to the rear end, the trunk and the body metal underneath it and the bumper look 100% identical to this impact.... but it crumped at that junction underneath. I suspect that's what totaled it.

You knew that already of course. These photos make me believe there's some hope, though.
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Old Fri, Nov-01-2019, 10:22:37 PM   #20
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Default Re: Advice on fighting insurance for the value (LSB rear ended)

My IB car had a bad rear impact - much worse than the OP - and was unfortunately totaled. My guess is OPs car is not totaled, however, it will take a hit to the re-sale value since it will be a mark on the car's permanent record.

As for estimating the value - that was really tricky. My insurance company originally offered me an insanely small amount of money for my Interlagos Blue m3 so I started sending the insurance lady similar m3s with similar miles. My policy had the words "...fair market value..." when determining the value of my car, so I basically had to prove that the fair market value for a 19k mile slicktop IB car was worth more than your normal 60k mile silver/black m3. It took about 3 months, but in the end my insurance company took good care of me.

Good luck!
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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)