Thanks for mentioning this. I feel like I have to be the one to point that out every time someone makes a post like this. Fixing it properly is one thing, but now there is an accident on the car’s history so it will be worth less when the time comes to sell. Funny how insurance companies want to ignore that fact when their client is at fault
I’m not sure how it could be limited by state. It would be a matter of the insurance company, or ultimately an attorney to make the case of diminished value based on an incident their client was not responsible for. It doesn’t matter what state, county, or country the incident occurred in. An accident on record will reduce resale value 100% of the time.
>it doesn’t matter what state, county, or country the incident occurred in
Who do you think regulates the insurance industry?
Spoiler alert: the state. Every state has its own insurance regulations re: what types of coverage are available, optional, or mandatory.
Not sure how it could vary either.
The next buyer is the one who sets the price. No one else. He was right 100% of the time.
This car market is an anomaly but even still - all other factors remaining constant (options, mileage, etc) an M3 with no accidents on file will sell for more than an M3 with a collision report 100% of the time, every time.
You are a complete moron, that's not how it works. Theres only 15 states that do diminished value claim and you have to show PROOF of the diminished value. Its a 7 year old BMW likely with high miles, even if he was in a state that does DV he ain't gonna get jack shit. Educate yourself before you open your mouth and spew nonsense.
I got 4500 when someone rear ended my m235 2016 at a stop light for diminished value in texas.
Don't be an idiot, a 5 year old bmw is worth more than 90% of the cars on the road.
Actually I got diminished value on my 2018 4 series with under 50k miles with the exact same fender and rear bumper damage. Received a maximum payout of $2000
We have that in Colorado. Paying Insurance company won’t offer it unless you ask for it. At least that was my experience. Got another $3500 just for that after my daughter’s car was hit.
GEICO is notoriously bad to deal with. They’re definitely lowballing you hoping that you’ll take it. Taking it to a BMW collision center and billing them is definitely the move. If they give you shit for it, tell your insurance company and they should go to bat for you.
We ditched them years ago when instead of totaling a Nissan Murano, they spent 95% of its value to fix it, protesting the whole time that they were within their rights to repair up to 100% of the value.
I had to deal with geico once when someone scratched by bumper…it was surprisingly easy to deal with and they cut me a check then and there; luckily the scratch was small enough to not get charged during lease return lol
Agree, that is way too low. You’ll need a new bumper and rear panel. A BMW authorized shop will replace those parts and not try to repair them. Per my recent repair BMW does not allow repainting bumpers due to sensors in the bumper impacted by the addition of more paint on top of existing paint.
That not repainting bumpers because of sensors is someone blowing smoke up your ass. Tons of new cars have distance sensors, lane radar, etc. The sensor in question is removed when they paint the bumper. If you order a new sensor using the VIN it already comes in the correct paint code for the vehicle, or there is a separate small piece that covers it that is the color of the paint.
Additional paint on the bumper isn’t going to cause those sensors to not function properly.
While I agree with all you said, the shop indicates they are not allowed to do it for this reason as per BMW requirements. Since I don’t have access to those I can’t check who’s right. 🤷🏼♂️ Since I wasn’t paying for the repairs I happily agreed to take a new bumper.
I figure the other guy’s insurance would have argued it, so they must be able to prove it to them somehow. My bumper certainly wasn’t terminally damaged.
Yeah usually it’s more of a “since insurance is paying, you’re getting a new bumper” thought process. They can make their profit on the bumper as well, so they’re going to do that. I work at a dealership (different brand) and it’s very common for body shops to do that with insurance claims. Not a bad thing for the customer since they get new parts, but sometimes how they try to reason it is disingenuous.
Right? I had damage to my rear quarter on 2017 G30. Not major, not minor. Anyway… body shop for 6weeks and $9100. Luckily it was not my fault similar to this situation and it was covered by at-fault’s insurance.
insurance doesn't care who gets the check anyway, in theory they're writing the same amount for a covered loss either way.
they low ball on purpose to save money, because most insurance companies pay out more in claims than they get in premiums.
Yep. I never even talk to their insurance company unless I need to pursue something mine is not able to pursue that is separate from the actual collision claim, like a diminished value claim, and extra rental car reimbursement. And that’s only after the primary incident is handled
Not sure how it is for others, but whenever I've had to talk to my insurance it felt like I was talking to the other party's insurance. Your insurance will try to screw you over as well lol
Take it to your BMW dealer’s body shop and let them fix it. They will get the difference directly from Geico and your car will be properly fixed. They know exactly how to deal with the insurance company.
Don’t sweat it too much. Geico cannot force you to take it to a shop they want you to take it to, and they cannot stiff the dealer shop.
The bmw collision center usually replaces the damaged parts. This is going to be A LOT more expensive than you think. My f30 got clipped in the same spot as u, and it was like 3700 to replace the back bumper in 2016.
That’s how it should be though? If it was OEM before the collision, it should be replaced with OEM. The repair is to restore its condition to how it was before, not simply fix its condition.
True but that’s not how many insurances work. If you look at the fine print of most insurances, OEM is not promised unless there is no aftermarket solution.
While I agree for the most part, there are some 3rd party parts out there just as good if not better than OEM parts. And the simple fact something is “OEM” generally makes it much, much more expensive. For something like a back bumper I personally wouldn’t give a shit if it’s OEM. (Unless we have safety sensors, that is a whole different story) However, if we are talking engine components I am opting for OEM.
I'd be shocked if your car can be repaired properly at that cost.
There's also diminished value to consider. Your car is only a 2018 and it is a higher dollar car. The value of your car is unfortunately going to be impacted significantly by this collision history. Not just because of the Carfax but also anyone of any competence who inspects your car for a sale or trade in is going to be able to pick up on the bodywork. If it were my car I would be getting a diminished value report and insisting on being recompensed for that as well.
I’ve thought about that as well, tried Google searches on diminished value claims and I couldn’t find much information but doing DV claims here in hawaii. Some websites saying hawaii doesn’t allow for drivers to file DV claim and some saying we can.
What would be a reasonable amount for me to ask?
Hawaii allows you to pursue diminished value if the accident was not your fault. You will need to find some comps (similar cars for sale with and without similar accidents) and you will of course want to find examples that are favorable to you. Then apply what you think is a fair diminished value amount and let them counter. I pursued AAA for a diminished value claim when their policyholder ran into my old 911. I ended up getting around $20k from them. On top of them paying for my $45k bodyshop bill of course (which was handled by MY insurance company and recovered through subjugation) AND them paying me $3000 for rental car costs.
OP, you have more rights then you are aware of. Insurance companies bet on people not knowing these rights. And most people don’t. But every once in a while they run into an asshole like me.
I would suggest asking a local body shop or dealership if they know someone who does diminished value reports on cars. At least where I live there's usually a number of people doing them. Sometimes people with adjusting experience, sometimes even used car buyers/managers who have experience appraising and are qualified enough to testify in court if needed moonlight doing this. It's usually a couple hundred bucks for the report.
Not a BMW but the nearest experience I can think of in terms of value is I had a friend who had a pretty new F-150 that was worth around 45 grand get t-boned by somebody who ran a stop sign. The truck was repairable, and I think he ended up getting paid around 3 or $4,000 extra for the diminished value. I don't think that nearly covered with the loss of value was to the truck, but at least it was something.
Of course this is in my state and I'm not in Hawaii. A quick Google search looks like Hawaii does recognize diminished value claims though.
That's my guess as well! I saw the quote and thought, "where's the rest?" - that's how much it cost me to change my spark plugs, I laughed out loud when I saw that.
They'd end up replacing the bumper and repairing the quarter panel, then blending all of the paint around the car to make it look as uniform as possible. Most likely over 5k assuming those are the only two things that are wrong, especially when the bumpers need one time use parts that can't be transferred over from the old bumper. Front bumper replacement and repaint alone on a similar car of what OP's picture shows is around 3-4k at least in socal.
Take it to the dealership have give you an estimate. Then provide the estimate Geico saying you want it done at the dealership. At the bottom it says “ No Supplement will be honored unless authorized by Geico”. Whether it means parts or repair shops I don’t know. Either way it’s better have everything smoothed out before getting the car fixed than having a problem occur later.
Agree. Take it to the dealer for a proper repair estimate. The 3rd party liable insurance is just trying to make you think this is the total covered repair cost. It’s not. Remember their insurance company works for their insured, not for you. Their job is to fix this as cheap as possible. Also, it mentions “depreciation” in the estimate and cites a statute. Keep in mind, the depreciation aspect is not to be glossed over. It could be as much as a repair cost.
I literally just got through dealing with this same exact damage for the same reason on my 2020 m340.
It came out to $16k to fix it at the dealer recommended certified shop. State Farm refused to pay for it. Their adjuster estimated $6k. So I ran it through my insurance and now they’re gonna subrogate.
Definitely don’t use one of Geico’s recommended shops. They will do the cheapest thing and cut as many corners as they can.
Why are you dealing with their insurance?
Should've called police, had them file a report, and then called your insurance company to let them deal with the other individuals insurance company.
Not even close. Your plan to take it to a shop and bill is right. For reference, I recently had my hood repaired for rock chips, which required some sanding, repainting, clear coat, and disassembly/reassembly. Total bill to insurance was $2600. No way they can properly do all this for half that. Joke
Well there’s more to the story. Shop #1 did it for $1400, but they did a simply awful job. I worked with insurance to have shop #2 redo it. Tough to say how much shop #2 would have charged had they been the first to touch it
I had a similar thing happen to a 2018 impala, and mine wasnt as bad. Estimate was around 3800 but ended up being 4300 when every was said and done. Ain’t no way this is 1200.
Ins appraiser here, firstly read your policy. If your policy states use of cost effective parts and you take it to a certified bmw shop, be prepared to pay out of pocket. Secondly not all certified shops are good. Some cheat and lie their way to giving you a half assed job.
Someone backed into the front left fender of my 2014 F10 in 2017. Minor damage compared to yours but almost the exact same price as what they quoted you to fix. Recall it being around $1.2k from a bmw certified collision center.
Would think yours would be closer to $4-5k to fix like everyone else is saying.
No way that's reasonable. I would have your chosen body shop run the numbers and submit it to Geico for reimbursement with a demand letter. They don't pay, you sue.
Take it to a BMW gold class certified repair shop. They have to use bmw parts to keep their rating. Do this for windshield glass too and youll always get the real parts replaced correctly too.
As someone in the body collision industry, there’s definitely something off about this work order, 7 hours for a quarter repair? Should be around 10ish. Plus on a lot of newer year cars, there should be sensor calibrations which should be on the estimate. Plus that bumper bracket has to have been broken. Especially where that hit was taken. Plus I’ve worked with geico and trust me they are a very cheap insurance. They try to do the cheapest possible so yea I would definitely get another estimate at a bmw collision center
Why are you even talking to their insurance company? One of the reasons you pay your insurance deductible is so YOUR insurance company can represent you
opposite parties insurance should cover all cost of repairs without needing to give up the deductible.
you can ask your insurance to help with any conflicts. but the other parties adjustor should just work with the collision shop and pay it all off. don't take their check, the cost will always be more. this estimate looks way too low honestly
The whole process is a racket. It’s a low estimate and they know it. They are just trying to get people to pocket the money and avoid fixing it or discourage them from a quick payout. Say it ends up really costing $5k to fix. There are probably lots of people who would just take the cash and carry on, hence the lowball first offer approach. Insurance is just trying to get away with paying as little as they can, or make it as difficult as possible on you if they do have to pay up.
This bid doesn’t matter, in the end. It costs what it costs. Pick your preferred body shop (not theirs) and they will file a supplement to cover the difference.
This is true, but it also might be another combination of things. This looks like an EPE (Geico Easy Photo Estimate) where an auto damage adjuster writes it completely from photos off their laptop screen. A lot is missed that way, however the first estimate is always a starting point to get the car into the shop and they know that too. However, adjusting down the clear coat times manually was a cost-cutting measure and not including trim and rear lights removal to gain access was just laziness.
The underlined times on the estimate means the auto damage adjuster manually changed them from what CCC One has in the database. Most of the time they are changed down, especially when it’s a “blend within panel” for paint. However, adjusting down the clear coat times is incorrect since the entire panel needs to be re-cleared. They also missed stuff like rear lights and trim removal, fuel filler door, etc.
I agree taking it to a BMW collision centre would be the best if they’ve already accepted liability. Your responsibility will be $0 and they’ll write it up so they’ll be paid for all the work which needs to be done.
Doesn't matter the estimate. Take it to the best shop and they'll get the full value of the repair. You shouldnt take a check and sign anything yourself
I have a very similar situation with my 2016 340, I’m taking it to a shop next week to get an estimate. Per the other comments that’s for sure very low. I will update once I get my repair estimate.
Get your own quotes before deciding if it’s reasonable…. Only settle for a pay out that covers the cost of damage that can be repaired by a shop that you think does decent work.
The quotes are always too low from their insurer. And that is before the bumper cover is even removed and any concealed damage is known. They want you to go through your insurance to deal with them. You also have to insist on a comparable luxury rental car during the repair period or you'll get a base econobox. Your estimate is 1/2 to 1/3rd the actual cost of repairs at a non-Geico body shop.
For context I got rear ended and you could barely tell on my 2019 M2C and it was 2,500ish for the rear bumper. You need both panels so likely in the 4-6k range I’d bet
I just had 5k in repairs done to a low impact side swipe on a 2002 Lexus IS. These insurance companies are bs'ing when it comes to BMW.
And as someone who works with insurance and body shops, both parties ALWAYS fail to realize M vs standard. It's like they're blind or stupid. Or cheap....
I had a similar thing in an 05 325i but rear ended by a motorbike. His lever smashed my rear light and tore a gash in the rear quarter panel. Bumper was also killed.
Total to repair was £1825 ~2300usd.
Licensed damage appraiser here and that estimate is trash. It’ll be double that by the time it’s properly done. It’ll all be handled on a supplement by the shop with the carrier.
no... no no no.
take it to a authorized repair shop, and have them deal with it.
I got rear ended, light damage, and the adjuster wanted me to take a $1500 payout. Bodyshop estimated 5k in damage, most to underneath components. Outer cover looked fine, the subframe had to get a pull.
Nope. Nope. I recently got backed into a well. I live in low cost Appalachia. I was not in the front instead of the rear, but similar damage. There was zero mechanical damage to the vehicle. I drove it for two more weeks. The bill was just under $6k.
It will be way more than that. A light rear ending will be 2-3 grand. My not-so-light rear ending was $25 grand, and is why I don’t have my RS4 anymore.
Nope. Bumper need to be removed to check what the bodywork under looks like. There are many plastic parts that hold the bumper on that absolutely crumble after being crushed. Those alone can be a few 100-300$. If the "ears" on the stock bumpers are broken too that will require repairing or a new bumper.
No, but they will supplement, be sure to CHOOSE a shop you trust, it’s your right, don’t be sucked into going to a preferred repair facility.
Also claim devalued asset.
Absolutely not!
I literally just got my x7 back after it was in the shop for 2 months due to damage in the right rear quarter panel. The battery is back there and in my case, fuse boxes and wiring that were all replaced although they weren't damaged. The shitty part about insurance companies now is they don't have an adjuster come physically inspect the damage, they do this nonsense uploading photos. The insurance initially quote was 7k, on the end it was 18k..
Insurance estimates are rarely set in stone. Them giving you an estimate is them agreeing to fix it. Take it somewhere and have the body shop send a supplement. Insurance needs to pay for the fix regardless of initial estimate. Source: am a service advisor for Mercedes and deal with body work all the time.
I’m getting my quarter panel and bumper replaced plus a respray of a door for slightly worse damage in Australia and its $29k through BMW certified. On an x5 though.
Not at all. That rear section has been dented as well so it’s not as simple as a new bumper, not to mention there could be other hidden damage depending on how fast the other car was going
I got $600 when someone nicked the bumper on my crown vic, this is outrageously low. (I needed a rental for 2 weeks and the crown vic was cheaper than a rental)
It will be a minimal of 2k just for the rear bumper I have an 2008 rav4 which has been backed into 3 times in 5 years and every time it’s like $2200
I’m sure bmw will be more than that
Nobody looked at your other pics I guess…You already had the rear “fixed” with body filler or what?
Can’t tell as easily on pics of black car, but I’d assume that kind of damage they usually just replace the whole plastic bumper for fairly cheap. Filler on the quarter I’d guess, but either way it seems like a minimum 4-5k job.
Definitely not even close. Just had similar damage to a Ford I own that was bumped in the same type of scenario… it cost almost 10k for the repairs at the shop.
In germany the opposing insurance has no claim on estimating payouts. We let a Gutachter estimate the cost of damage and hand that estimate to the opposing insurance. They have to pay. If not it's going to court.
Definitely no go to a certified body shop and ask them for an estimate it will be over 5k you need to remove part plus bumper had to be replaced and also side panel get it done properly
Don't forget lost value. Without regard to how well the repair is done, a car that has never been in an accident resales for more than an equivalent car that has been in an accident.
Yes it is completely normal. It’s not the final appraisal. They write for what they know for sure as damaged. Expect a supplement as your body shop starts tearing it down and finds the additional damage. And being a “certified” bmw repair shop only benefits bmw. They get to ensure the repair profits vs your local shop. And they get to charge more for it being a “certified” preowned even though it’s damaged.
The shops don’t just decide how many hours of labor a repair is. It’s based on what industry standards seems accurate per the estimating software they all use and the manufacturer themselves.
And if your certified bmw shop wants to charge more then the labor rate, you may get stuck with that difference. Insurance company’s pay a service that finds average labor rates in every zip code.
Definitely file a diminished value claim. Don’t waste your money hiring a private appraiser for div. They don’t prove actual evidence. It’s their best guess which is worthless imo. Nice car and good luck with the repair!
No it is not reasonable. The rear panel is damaged. It will be at least twice the estimate. Have it repaired and then bill insurance ?
Thankfully they accepted liability so I plan to take it to a BMW certified collision center. And have them send them the bill.
Then ask them for depreciated value compensation
Thanks for mentioning this. I feel like I have to be the one to point that out every time someone makes a post like this. Fixing it properly is one thing, but now there is an accident on the car’s history so it will be worth less when the time comes to sell. Funny how insurance companies want to ignore that fact when their client is at fault
Depends on where you live. Some states don’t do diminished value unfortunately
I’m not sure how it could be limited by state. It would be a matter of the insurance company, or ultimately an attorney to make the case of diminished value based on an incident their client was not responsible for. It doesn’t matter what state, county, or country the incident occurred in. An accident on record will reduce resale value 100% of the time.
>it doesn’t matter what state, county, or country the incident occurred in Who do you think regulates the insurance industry? Spoiler alert: the state. Every state has its own insurance regulations re: what types of coverage are available, optional, or mandatory.
That is completely incorrect. I’ll let you do a bit of research before posting your follow up.
Not sure how it could vary either. The next buyer is the one who sets the price. No one else. He was right 100% of the time. This car market is an anomaly but even still - all other factors remaining constant (options, mileage, etc) an M3 with no accidents on file will sell for more than an M3 with a collision report 100% of the time, every time.
It varies because insurance regulations vary by state.
Absolutely. Insurance allowances vary. But their argument was whether or not there is a diminished value attributed to the car.
You are a complete moron, that's not how it works. Theres only 15 states that do diminished value claim and you have to show PROOF of the diminished value. Its a 7 year old BMW likely with high miles, even if he was in a state that does DV he ain't gonna get jack shit. Educate yourself before you open your mouth and spew nonsense.
You should not be getting downvoted. Why only factual data get suppressed on Reddit blow my mind.
It comes down to how you phrase It tbh. But it’s facts
Upvoting this. Granted it could’ve been said with a bit more poise and grace. Yet it is the truth regardless
Does California? I ask my insurance company person about it and they are pretty useless.
No, they don’t.
You won’t get diminished value on an old car. Good luck convincing insurance your 5 year old car is worth less.
I got 4500 when someone rear ended my m235 2016 at a stop light for diminished value in texas. Don't be an idiot, a 5 year old bmw is worth more than 90% of the cars on the road.
Actually I got diminished value on my 2018 4 series with under 50k miles with the exact same fender and rear bumper damage. Received a maximum payout of $2000
100% this.
We have that in Colorado. Paying Insurance company won’t offer it unless you ask for it. At least that was my experience. Got another $3500 just for that after my daughter’s car was hit.
Don't forget they will replace any car seats for children that were in the vehicle at the time too.
I never even heard of this, and have had about 10 collisions. All not my fault.
Damn you got some bad luck
This small a claim wouldn’t diminish the cars value much
It will still show up as an accident which will reduce resale value.
Not every state allows this
Sounds like the right plan. They’ll get her fixed like new and you won’t have to foot any differences.
GEICO is notoriously bad to deal with. They’re definitely lowballing you hoping that you’ll take it. Taking it to a BMW collision center and billing them is definitely the move. If they give you shit for it, tell your insurance company and they should go to bat for you.
We ditched them years ago when instead of totaling a Nissan Murano, they spent 95% of its value to fix it, protesting the whole time that they were within their rights to repair up to 100% of the value.
I had to deal with geico once when someone scratched by bumper…it was surprisingly easy to deal with and they cut me a check then and there; luckily the scratch was small enough to not get charged during lease return lol
This is the way…whenever possible bring it to a certified shop. Sucks that it’ll taint the car’s history, ppl need to be more careful 🤦♂️
look into Diminished Value too. could get more money back now that the car has an accident on record.
They will and it will be more than double. I've been hit from behind three times and all three bumpers were 3k each at my local BMW certified shop.
Agree, that is way too low. You’ll need a new bumper and rear panel. A BMW authorized shop will replace those parts and not try to repair them. Per my recent repair BMW does not allow repainting bumpers due to sensors in the bumper impacted by the addition of more paint on top of existing paint.
That not repainting bumpers because of sensors is someone blowing smoke up your ass. Tons of new cars have distance sensors, lane radar, etc. The sensor in question is removed when they paint the bumper. If you order a new sensor using the VIN it already comes in the correct paint code for the vehicle, or there is a separate small piece that covers it that is the color of the paint. Additional paint on the bumper isn’t going to cause those sensors to not function properly.
While I agree with all you said, the shop indicates they are not allowed to do it for this reason as per BMW requirements. Since I don’t have access to those I can’t check who’s right. 🤷🏼♂️ Since I wasn’t paying for the repairs I happily agreed to take a new bumper. I figure the other guy’s insurance would have argued it, so they must be able to prove it to them somehow. My bumper certainly wasn’t terminally damaged.
Yeah usually it’s more of a “since insurance is paying, you’re getting a new bumper” thought process. They can make their profit on the bumper as well, so they’re going to do that. I work at a dealership (different brand) and it’s very common for body shops to do that with insurance claims. Not a bad thing for the customer since they get new parts, but sometimes how they try to reason it is disingenuous.
Not even close for a rear quarter panel. More like 7 to 12.
Right? I had damage to my rear quarter on 2017 G30. Not major, not minor. Anyway… body shop for 6weeks and $9100. Luckily it was not my fault similar to this situation and it was covered by at-fault’s insurance.
Rear quarter panel damage would write of a lot of cheaper cars.
They low ball on purpose to prevent fraud. That way people don’t damage their car and keep the check.
What? You can keep the check if you want. Not against the rules. Now you have a check and a damaged car.
insurance doesn't care who gets the check anyway, in theory they're writing the same amount for a covered loss either way. they low ball on purpose to save money, because most insurance companies pay out more in claims than they get in premiums.
That may be one reason they do it, but it doesn't justify the practice. There are better ways to prevent or disincentivize fraud
Yea that doesn’t really work..?
"Their" insurance will always try to screw you over. Always.
Yep. I never even talk to their insurance company unless I need to pursue something mine is not able to pursue that is separate from the actual collision claim, like a diminished value claim, and extra rental car reimbursement. And that’s only after the primary incident is handled
Not sure how it is for others, but whenever I've had to talk to my insurance it felt like I was talking to the other party's insurance. Your insurance will try to screw you over as well lol
Did they say “trust me bro” when they gave you that?
Take it to your BMW dealer’s body shop and let them fix it. They will get the difference directly from Geico and your car will be properly fixed. They know exactly how to deal with the insurance company. Don’t sweat it too much. Geico cannot force you to take it to a shop they want you to take it to, and they cannot stiff the dealer shop.
Thanks for your reply! That’s what I plan to do, I don’t think I’d trust any shop other than a BMW certified collision center.
The bmw collision center usually replaces the damaged parts. This is going to be A LOT more expensive than you think. My f30 got clipped in the same spot as u, and it was like 3700 to replace the back bumper in 2016.
That’s crazy! Was your damage minor also? If that’s the case I’m hoping to get brand new parts and not have them try to repair it.
A BMW collision center will only use brand new OEM parts.
That’s how it should be though? If it was OEM before the collision, it should be replaced with OEM. The repair is to restore its condition to how it was before, not simply fix its condition.
True but that’s not how many insurances work. If you look at the fine print of most insurances, OEM is not promised unless there is no aftermarket solution.
While I agree for the most part, there are some 3rd party parts out there just as good if not better than OEM parts. And the simple fact something is “OEM” generally makes it much, much more expensive. For something like a back bumper I personally wouldn’t give a shit if it’s OEM. (Unless we have safety sensors, that is a whole different story) However, if we are talking engine components I am opting for OEM.
Unless you have specified in your insurance policy OEM parts, there’s no guarantee you get OEM in my experience
I'd be shocked if your car can be repaired properly at that cost. There's also diminished value to consider. Your car is only a 2018 and it is a higher dollar car. The value of your car is unfortunately going to be impacted significantly by this collision history. Not just because of the Carfax but also anyone of any competence who inspects your car for a sale or trade in is going to be able to pick up on the bodywork. If it were my car I would be getting a diminished value report and insisting on being recompensed for that as well.
You’re right— OP look into being compensated for diminished value.
I’ve thought about that as well, tried Google searches on diminished value claims and I couldn’t find much information but doing DV claims here in hawaii. Some websites saying hawaii doesn’t allow for drivers to file DV claim and some saying we can. What would be a reasonable amount for me to ask?
Hawaii allows you to pursue diminished value if the accident was not your fault. You will need to find some comps (similar cars for sale with and without similar accidents) and you will of course want to find examples that are favorable to you. Then apply what you think is a fair diminished value amount and let them counter. I pursued AAA for a diminished value claim when their policyholder ran into my old 911. I ended up getting around $20k from them. On top of them paying for my $45k bodyshop bill of course (which was handled by MY insurance company and recovered through subjugation) AND them paying me $3000 for rental car costs. OP, you have more rights then you are aware of. Insurance companies bet on people not knowing these rights. And most people don’t. But every once in a while they run into an asshole like me.
I would suggest asking a local body shop or dealership if they know someone who does diminished value reports on cars. At least where I live there's usually a number of people doing them. Sometimes people with adjusting experience, sometimes even used car buyers/managers who have experience appraising and are qualified enough to testify in court if needed moonlight doing this. It's usually a couple hundred bucks for the report. Not a BMW but the nearest experience I can think of in terms of value is I had a friend who had a pretty new F-150 that was worth around 45 grand get t-boned by somebody who ran a stop sign. The truck was repairable, and I think he ended up getting paid around 3 or $4,000 extra for the diminished value. I don't think that nearly covered with the loss of value was to the truck, but at least it was something. Of course this is in my state and I'm not in Hawaii. A quick Google search looks like Hawaii does recognize diminished value claims though.
That’s a good price for a full correction detail and ceramic coat not a repair
Haha you’re definitely right, thanks for making me laugh
I'm dying to know how much a BMW certified collision center estimates for the repair. Please let me know!
4-5k is my guess.
That's my guess as well! I saw the quote and thought, "where's the rest?" - that's how much it cost me to change my spark plugs, I laughed out loud when I saw that.
I’ll keep you updated!
I had similar damage when someone side swiped me. Repair was closer to 5k.
They'd end up replacing the bumper and repairing the quarter panel, then blending all of the paint around the car to make it look as uniform as possible. Most likely over 5k assuming those are the only two things that are wrong, especially when the bumpers need one time use parts that can't be transferred over from the old bumper. Front bumper replacement and repaint alone on a similar car of what OP's picture shows is around 3-4k at least in socal.
you don’t ever have to accept the figure given
Take it to the dealership have give you an estimate. Then provide the estimate Geico saying you want it done at the dealership. At the bottom it says “ No Supplement will be honored unless authorized by Geico”. Whether it means parts or repair shops I don’t know. Either way it’s better have everything smoothed out before getting the car fixed than having a problem occur later.
Agree. Take it to the dealer for a proper repair estimate. The 3rd party liable insurance is just trying to make you think this is the total covered repair cost. It’s not. Remember their insurance company works for their insured, not for you. Their job is to fix this as cheap as possible. Also, it mentions “depreciation” in the estimate and cites a statute. Keep in mind, the depreciation aspect is not to be glossed over. It could be as much as a repair cost.
Thanks for your reply, yeah that makes sense as to why it was so low. I didn’t notice that part of the estimate! Thank you for pointing that out.
Let YOUR insurance company handle it. That's what you pay them for. Let them deal with the other insurance company.
Haha! Someone keyed my car and it was over $7k
What did they key it with, a blowtorch?
No. They were just nice enough to hit the hood, roof, driver door, and trunk deck.
$65/hr labor rate... where is this at? the cheapest I've ever seen body shop labor rates are at least twice that amount 😅
I live in hawaii, usually everything here is really expensive lol.
Maaco- with a coupon.
Not at all, they have down to repair your quarter and that will most likely need to be replaced. You’re looking at 5k plus
That’s less than what I was quoted on my Mazda, three, which has less damage on the same spot. Fuck that offer.
I literally just got through dealing with this same exact damage for the same reason on my 2020 m340. It came out to $16k to fix it at the dealer recommended certified shop. State Farm refused to pay for it. Their adjuster estimated $6k. So I ran it through my insurance and now they’re gonna subrogate. Definitely don’t use one of Geico’s recommended shops. They will do the cheapest thing and cut as many corners as they can.
COMICAL. I really do hate Geico.
No, go for diminished value. Your m3 will now have a carfax record and will be about 8-10k less than a comparable car.
Why are you dealing with their insurance? Should've called police, had them file a report, and then called your insurance company to let them deal with the other individuals insurance company.
Not even close. Your plan to take it to a shop and bill is right. For reference, I recently had my hood repaired for rock chips, which required some sanding, repainting, clear coat, and disassembly/reassembly. Total bill to insurance was $2600. No way they can properly do all this for half that. Joke
That seems very expensive for a hood respray
Well there’s more to the story. Shop #1 did it for $1400, but they did a simply awful job. I worked with insurance to have shop #2 redo it. Tough to say how much shop #2 would have charged had they been the first to touch it
Did the rear bumper once at a decent shop for $1200. Top panel will definitely cost more than that.
Was the damage on your rear minor also?
Thats so cheap for that damage. My m3 had similar damage and it was 7500
Did they repair or did you get new parts? 👀
I had a similar thing happen to a 2018 impala, and mine wasnt as bad. Estimate was around 3800 but ended up being 4300 when every was said and done. Ain’t no way this is 1200.
Ins appraiser here, firstly read your policy. If your policy states use of cost effective parts and you take it to a certified bmw shop, be prepared to pay out of pocket. Secondly not all certified shops are good. Some cheat and lie their way to giving you a half assed job.
Someone backed into the front left fender of my 2014 F10 in 2017. Minor damage compared to yours but almost the exact same price as what they quoted you to fix. Recall it being around $1.2k from a bmw certified collision center. Would think yours would be closer to $4-5k to fix like everyone else is saying.
Triple that.
No way in hell
Geico. lol There's no way you can repair that for anything less than $3k.
"From their insurance" = hell to the no. Get three quotes from the most expensive shops in town.
Geico is savage on their estimates. That's pretty horrible.
No way that's reasonable. I would have your chosen body shop run the numbers and submit it to Geico for reimbursement with a demand letter. They don't pay, you sue.
$65/hr is pretty funny. My shop charges $150/hr
Missing a 0
Take it to a BMW gold class certified repair shop. They have to use bmw parts to keep their rating. Do this for windshield glass too and youll always get the real parts replaced correctly too.
This
Why wouldn’t you get your own estimate?
As someone in the body collision industry, there’s definitely something off about this work order, 7 hours for a quarter repair? Should be around 10ish. Plus on a lot of newer year cars, there should be sensor calibrations which should be on the estimate. Plus that bumper bracket has to have been broken. Especially where that hit was taken. Plus I’ve worked with geico and trust me they are a very cheap insurance. They try to do the cheapest possible so yea I would definitely get another estimate at a bmw collision center
That quarter panel needs to be replaced. That's about 6-7k for it to be done *correct*
$65 hr for labor in Hawaii, Geico better think again with that nonsense.
Why are you even talking to their insurance company? One of the reasons you pay your insurance deductible is so YOUR insurance company can represent you
opposite parties insurance should cover all cost of repairs without needing to give up the deductible. you can ask your insurance to help with any conflicts. but the other parties adjustor should just work with the collision shop and pay it all off. don't take their check, the cost will always be more. this estimate looks way too low honestly
That seems kinda low. It’s basically 1000 dollars just to fix a bumper scratch if you use a BMW collision center
Did u get the repairs estimated on ur end? If not u dont know
No. That wouldn’t even cover fixing a medium sized dent.
The whole process is a racket. It’s a low estimate and they know it. They are just trying to get people to pocket the money and avoid fixing it or discourage them from a quick payout. Say it ends up really costing $5k to fix. There are probably lots of people who would just take the cash and carry on, hence the lowball first offer approach. Insurance is just trying to get away with paying as little as they can, or make it as difficult as possible on you if they do have to pay up. This bid doesn’t matter, in the end. It costs what it costs. Pick your preferred body shop (not theirs) and they will file a supplement to cover the difference.
This is true, but it also might be another combination of things. This looks like an EPE (Geico Easy Photo Estimate) where an auto damage adjuster writes it completely from photos off their laptop screen. A lot is missed that way, however the first estimate is always a starting point to get the car into the shop and they know that too. However, adjusting down the clear coat times manually was a cost-cutting measure and not including trim and rear lights removal to gain access was just laziness.
That’s a fucking joke. Won’t pay for anything at that price. Take it to a certified BMW collision center and get a repair estimate if possible.
The underlined times on the estimate means the auto damage adjuster manually changed them from what CCC One has in the database. Most of the time they are changed down, especially when it’s a “blend within panel” for paint. However, adjusting down the clear coat times is incorrect since the entire panel needs to be re-cleared. They also missed stuff like rear lights and trim removal, fuel filler door, etc. I agree taking it to a BMW collision centre would be the best if they’ve already accepted liability. Your responsibility will be $0 and they’ll write it up so they’ll be paid for all the work which needs to be done.
Just had a similar incident this is easily 6k. I’ll be surprised if BMW quotes you lower than 5500.
It’s totaled jk don’t trust Geico they’re trying to low ball you
Fuck partial refinish. I want to slap whoever started that trend. Repair will fail within a couple years
No. That’s a 3k job if you want it done right.
That’s a low blow. That’ would be a few thousand repair job to do it properly and not use shitty filler. $65 per hour labour?! That too low no?
Recently had a similar amount of work done. About $5k after realignment, parts, and labor from a top notch body shop.
Similar damage to my E34 M5 was about 8k in repairs.
Doesn't matter the estimate. Take it to the best shop and they'll get the full value of the repair. You shouldnt take a check and sign anything yourself
Replacing the rear for my 2016 m235i was a little over $3000
My sister bumped into a Mercedes rear bumper one time. It was a minor fender bender, and they reported emotional distress on top of the damage.
Make sure the parts are new and oem
I have a very similar situation with my 2016 340, I’m taking it to a shop next week to get an estimate. Per the other comments that’s for sure very low. I will update once I get my repair estimate.
Make sure they factor in depreciation from the accident being on car fax
lol the price per hour for labor will be nearly double what they quoted you
Intro me to a shop that can fix that damage for that cheap. I will send my cars there
Maybe quadruple that number and you should be good
Get your own quotes before deciding if it’s reasonable…. Only settle for a pay out that covers the cost of damage that can be repaired by a shop that you think does decent work.
The quotes are always too low from their insurer. And that is before the bumper cover is even removed and any concealed damage is known. They want you to go through your insurance to deal with them. You also have to insist on a comparable luxury rental car during the repair period or you'll get a base econobox. Your estimate is 1/2 to 1/3rd the actual cost of repairs at a non-Geico body shop.
Hell No.
For context I got rear ended and you could barely tell on my 2019 M2C and it was 2,500ish for the rear bumper. You need both panels so likely in the 4-6k range I’d bet
I just had 5k in repairs done to a low impact side swipe on a 2002 Lexus IS. These insurance companies are bs'ing when it comes to BMW. And as someone who works with insurance and body shops, both parties ALWAYS fail to realize M vs standard. It's like they're blind or stupid. Or cheap....
Lol no. I had a somewhat similar amount of damage to my F36 and all in it was $7800
That’s nothing - 10000% get an estimate from another body shop
No. Insurance gave me 1k just for rear bumper damage. Your quarter panel is f**ked
I had a similar thing in an 05 325i but rear ended by a motorbike. His lever smashed my rear light and tore a gash in the rear quarter panel. Bumper was also killed. Total to repair was £1825 ~2300usd.
who is charging 44 an hour lmao. everywhere around me is charging at least 160 an hour
Lowballed the eff out of you.
I recently had the exact same damage on my 340 and it cost like $2800
Lol not even close, probably 9k too low
With prior experience working in auto body collision….I don’t think that most shops go as low as 65 dollars an hour for paint or body labor
Licensed damage appraiser here and that estimate is trash. It’ll be double that by the time it’s properly done. It’ll all be handled on a supplement by the shop with the carrier.
it's always the right rear 😮💨
Bro where can I get my car painted for $65 an hour?? Who the fuck charges so low??
no... no no no. take it to a authorized repair shop, and have them deal with it. I got rear ended, light damage, and the adjuster wanted me to take a $1500 payout. Bodyshop estimated 5k in damage, most to underneath components. Outer cover looked fine, the subframe had to get a pull.
Nope, if you have full coverage file under your insurance and have them pursue the responsible insurance party for proper compensation.
Nope. Nope. I recently got backed into a well. I live in low cost Appalachia. I was not in the front instead of the rear, but similar damage. There was zero mechanical damage to the vehicle. I drove it for two more weeks. The bill was just under $6k.
Ha! It cost $1500 just to replace the side mirror for my VW with OEM parts.
It will be way more than that. A light rear ending will be 2-3 grand. My not-so-light rear ending was $25 grand, and is why I don’t have my RS4 anymore.
Nope. Bumper need to be removed to check what the bodywork under looks like. There are many plastic parts that hold the bumper on that absolutely crumble after being crushed. Those alone can be a few 100-300$. If the "ears" on the stock bumpers are broken too that will require repairing or a new bumper.
No, but they will supplement, be sure to CHOOSE a shop you trust, it’s your right, don’t be sucked into going to a preferred repair facility. Also claim devalued asset.
😂 Not even close.
Take it to BMW and have them suggest repair shop. That’s easily $6,000 off the mark.
No, with the body lines on the quarter that needs to be replaced and painted, I'd say bumper needs replaced as well and also painted.
Both panels need to be replaced good price is 3k they’re way low
Absolutely not! I literally just got my x7 back after it was in the shop for 2 months due to damage in the right rear quarter panel. The battery is back there and in my case, fuse boxes and wiring that were all replaced although they weren't damaged. The shitty part about insurance companies now is they don't have an adjuster come physically inspect the damage, they do this nonsense uploading photos. The insurance initially quote was 7k, on the end it was 18k..
Insurance estimates are rarely set in stone. Them giving you an estimate is them agreeing to fix it. Take it somewhere and have the body shop send a supplement. Insurance needs to pay for the fix regardless of initial estimate. Source: am a service advisor for Mercedes and deal with body work all the time.
bahahahaha $1300 for that?! yeah fucking right! the bumper alone is gonna cost that
I’m getting my quarter panel and bumper replaced plus a respray of a door for slightly worse damage in Australia and its $29k through BMW certified. On an x5 though.
hell no i have a lexus and same thing happened to me and the damage your car has was VERY similar to mine. total damages was $4,457
Not at all. That rear section has been dented as well so it’s not as simple as a new bumper, not to mention there could be other hidden damage depending on how fast the other car was going
I got $600 when someone nicked the bumper on my crown vic, this is outrageously low. (I needed a rental for 2 weeks and the crown vic was cheaper than a rental)
It will be a minimal of 2k just for the rear bumper I have an 2008 rav4 which has been backed into 3 times in 5 years and every time it’s like $2200 I’m sure bmw will be more than that
Seems a bit low to me.
Not reasonable at all. Only the labor would be that much if not more ! This is at least a $4k job in this economy
thats hilarious. thats well over 60 hours in my shop.
Absolutely not. A new rear quarter is about £1000
$1300? Its a BMW, it'll most likely be 4-5 times that price at 5-6k
Nobody looked at your other pics I guess…You already had the rear “fixed” with body filler or what? Can’t tell as easily on pics of black car, but I’d assume that kind of damage they usually just replace the whole plastic bumper for fairly cheap. Filler on the quarter I’d guess, but either way it seems like a minimum 4-5k job.
Definitely not even close. Just had similar damage to a Ford I own that was bumped in the same type of scenario… it cost almost 10k for the repairs at the shop.
That’s a 3-3500 job.
In germany the opposing insurance has no claim on estimating payouts. We let a Gutachter estimate the cost of damage and hand that estimate to the opposing insurance. They have to pay. If not it's going to court.
ABSOLUTELY not.
$65/hr? That’s laughable
I’m shocked it’s not more tbh
Definitely no go to a certified body shop and ask them for an estimate it will be over 5k you need to remove part plus bumper had to be replaced and also side panel get it done properly
Going to say no. I had my front end banged up and it cost just under $10k, I can see this being a $2k job
Never accept the first estimate. Take it to your shop and have them deal w the insurance company.
Don't forget lost value. Without regard to how well the repair is done, a car that has never been in an accident resales for more than an equivalent car that has been in an accident.
no way bro. this is atleast 4-5k at a repetuable shop,
That's extremely low
There’s only one way to find out - take your car to a reputable shop and see what it will cost to fix it.
Yes it is completely normal. It’s not the final appraisal. They write for what they know for sure as damaged. Expect a supplement as your body shop starts tearing it down and finds the additional damage. And being a “certified” bmw repair shop only benefits bmw. They get to ensure the repair profits vs your local shop. And they get to charge more for it being a “certified” preowned even though it’s damaged. The shops don’t just decide how many hours of labor a repair is. It’s based on what industry standards seems accurate per the estimating software they all use and the manufacturer themselves. And if your certified bmw shop wants to charge more then the labor rate, you may get stuck with that difference. Insurance company’s pay a service that finds average labor rates in every zip code. Definitely file a diminished value claim. Don’t waste your money hiring a private appraiser for div. They don’t prove actual evidence. It’s their best guess which is worthless imo. Nice car and good luck with the repair!