Insurance Claim Help

[sapote]

The worst is with 2 lanes right turn and the car on the right lane just crossed over onto the next left lane. I most of the time used the next left lane (less car front of me) but my hand was ready on the horn button which saved multiple fender benders events already. No crossing to next lanes doing the turn unless you know what you're doing.

The other guy might violated traffic (not stop at red light) but that is not the root cause of the accident. He ran fast into that lane (not a fault) and OP slowly crossing over the same lane without checking for coming traffic (assumed no car behind). That guy should have his hand on the horn button ready when doing that.

[Cubieman]

The worst is with 2 lanes right turn and the car on the right lane just crossed over onto the next left lane. I most of the time used the next left lane (less car front of me) but my hand was ready on the horn button which saved multiple fender benders events already. No crossing to next lanes doing the turn unless you know what you're doing.

The other guy might violated traffic (not stop at red light) but that is not the root cause of the accident. He ran fast into that lane (not a fault) and OP slowly crossing over the same lane without checking for coming traffic (assumed no car behind). That guy should have his hand on the horn button ready when doing that.

Yea, inside most lane must be turned into here. I always use inside lane then signal if/when I need to get into another lane.
About 1 week after I bought my M3 I crossed into the outside lane during a turn, the guy behind me did the same thing and almost ran into me, I apologized as it was my bad.

It definitely seems as if the other guy did a rolling stop (California Stop), if he stopped at all but the outside lane change is likely what the insurance guys see.
Sorry about that, hope all is well soon.
On a side note my dumb-ass did 96mph in a 45 and got a "Carless Driving" as well, that 8 of 12 point off my license, I haven't gotten a ticket since I was 17, so being 36 now I feel like a fucking fool.
We will both be getting it up the ass in premiums soon.

[Arith2]

Man, I remember when a stupid concrete pole rear ended my first M3. I don't think it saw me. I drove the car home and they tried to give me $9,000. I married a hot blonde, spent a few weeks in Italy and came back with that Italy "charm". The number bumped to $18,500. I took that money and went to Cleetus Macfarland's dad and said, "Hey, I want to buy that M3". Drove a few hours to Tampa and picked up the awesome looking, Alpine White, M3. Then I blew that engine to smithereens. Gotta love insurance claims...

[Rhythim]

Couple things...unless it specifically written into your policy (along with the increased premiums that will accompany that language) the insurance carrier has zero obligation to pay for OE parts for the repair when approved alternative parts are available. None. They will pay for what they feel will return the vehicle to equivalent pre-accident condition. You, as the vehicle owner, have the right to request/require the use of OE parts in those cases, but barring the occasional goodwill gesture by the insurance company, you will be responsible for the difference in price out of pocket. You can also request they use recycled OE if available, often with no price difference out of pocket. I'll take used OE all day over new aftermarket.

If your car has been retrofitted to the OE LED tails, that's what they'll put back in that side because Geico's not going to pay to replace both sides when they don't have to. Your shop will handle that part of it. I wouldn't expect any pushback on that, it'll just get done.

One good thing about these cars in particular is the general lack of aftermarket support for collision parts. No sheet metal, no certified aftermarket bumper covers, no certified structural parts. Most of the components (lamps etc) that are shared with the garden variety 3-series cars have gone obsolete due to declining demand. I declined to add ULO lighting product for the E46 when I brought them on board as a supplier last year because there's no demand for it. I frankly don't anticipate AL/Marelli keeping the headlamps around for too much longer, although they're still available for now.

If you're going to get hit by someone, you want to hope they're covered by State Farm. Due to some lawsuits a decade or so ago, they're still not writing much in the way of aftermarket parts unless requested by the customer to help with deductibles and such. Much better chance of getting OE parts on the repair than with most other carriers.

Just adding a little perspective. I work in product management for a large publicly traded global distributor of collision repair products servicing all manner of shops and insurance customers. Have been a parts guy for 30 years, 20 of that in the collision repair segment.



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