New 135i In Accident

[Xtian]

Everyone check your insurance policies and see how much it is to max out your coverage. I go with GEICO (no opinions, please) and they have a little widget on their website where you can toy around with these values and see how that impacts your premium.

I discovered they were padding my policy with some stuff I didn't need (breakdown insurance, roadside assistance) so I killed them and and was able to insure the f$ck out of myself for about the same $$$.

It's cheap.

I have moderate assets, including a well-funded IRA. How many of you own a house or some nice Facebook stock? You're putting it all on the line.

Jus' saying.

[thepriceisright]

Originally Posted by Xtian

Everyone check your insurance policies and see how much it is to max out your coverage. I go with GEICO (no opinions, please) and they have a little widget on their website where you can toy around with these values and see how that impacts your premium.

I discovered they were padding my policy with some stuff I didn't need (breakdown insurance, roadside assistance) so I killed them and and was able to insure the f$ck out of myself for about the same $$$.

It's cheap.

I have moderate assets, including a well-funded IRA. How many of you own a house or some nice Facebook stock? You're putting it all on the line.

Jus' saying.

Yep! I pay a bit extra for a $1,000,000 combined single limit and $500k under/uninsured motorist. Maybe 20% more in premiums but I could pretty much crash my car into a Ferrari dealership and not owe a dime.

[RiefferD]

ouch... sorry for you, and ur car.

[BimmerE82]

My stomach hurts after seeing that photo. Hope you had gap insurance to cover the diference should there be any in the price of the car and what you owe. Also make sure you get a good personel injury lawyer immediately. The same thing happended to my daughter in her Mini Cooper S. Sorry for your loss but glad your ok.

[Twisternhra]

Originally Posted by BimmerE82

My stomach hurts after seeing that photo. Hope you had gap insurance to cover the diference should there be any in the price of the car and what you owe. Sorry for your loss but glad your ok.

I do have gap insurance. I don't think I will need it at all but I do have it.

I was actually going to cancel it when I got to the office before the accident happened.

I just got my plates and registration that day too. Lol

[x97Melbourne]

damn SUVs....hate em.
glad you're ok.....sorry to hear.

[baylor1er]

Originally Posted by x97Melbourne

damn SUVs....hate em.
glad you're ok.....sorry to hear.

Texas has too many of them.
Glad to know your OK but it suck that the car was totaled after only two weeks of ownership. Those Germans sure know how to build safe cars.
My first car (not a BMW) was totaled by an SUV. I also have State Farm and got a check from them for the full value of the car.

[Twisternhra]

Well I just heard back from state farm today and they said the car is totaled for sure now. So now I'm just waiting for them to send me an settlement offer.

[BimmerE82]

Do I see 2013 135is in your future??

[Twisternhra]

Originally Posted by BimmerE82

Do I see 2013 135is in your future??

I have thought about it. I just don't know if I should spend that much and wait that long. Lol

[BiscottiGelato]

I guess that's like 30k per car, for 3 cars? so a 100k 3rd party liability?

I'd say a million is pretty much minimum. The premium doesn't go up too much here up north for extra coverage.

[Ash83]

I hope it is totaled .. because she will never drive like before, if they tried to fix her.

[Twisternhra]

Originally Posted by BiscottiGelato

I guess that's like 30k per car, for 3 cars? so a 100k 3rd party liability?

I'd say a million is pretty much minimum. The premium doesn't go up too much here up north for extra coverage.

The person that hit me only had 30k of total coverage. I have a 300k policy that also covers uninsured drivers.

Originally Posted by Ash83

I hope it is totaled .. because she will never drive like before, if they tried to fix her.

It is.

[BiscottiGelato]

30k? that's crazy. You can incur 30k of bills from hitting a bike... Medical is what I'm talking about here. an odd Mil or 2 isn't crazy when it come sot medical bills.

[Twisternhra]

Originally Posted by BiscottiGelato

30k? that's crazy. You can incur 30k of bills from hitting a bike... Medical is what I'm talking about here. an odd Mil or 2 isn't crazy when it come sot medical bills.

I have no clue why someone would have that kind of coverage. I'm sure that state farm will be suing them for their money.

I know i have 2,500 of personal injury insurance but I think some of it is covered by my normal policy too.

[BiscottiGelato]

Imagine permenantly disabling someone due to an accident. That bill is going to be astronomical.

[sonicbimmer19]

I'm sorry about your new car and the accident. Glad you're ok but that car is 100% totaled. Make sure to get another 135i! don't let this random event change your mind. 1ers are great

[Twisternhra]

Originally Posted by sonicbimmer19

I'm sorry about your new car and the accident. Glad you're ok but that car is 100% totaled. Make sure to get another 135i! don't let this random event change your mind. 1ers are great

I am definitely getting another 135i.

I just need to find one now. I haven't been able to find any that are close to Houston.

[Twisternhra]

I just wanted to let everyone know that state farm paid me more than what I paid for the car and that I just purchased a 2012 135i from one of the forum members. So everything worked out perfectly.

[Cemoto]

How about a picture?

[Twisternhra]

Originally Posted by Cemoto

How about a picture?

I'll try to get one. It's so dirty from the drive though . I drove it from Vegas to Houston an it's been raining so I haven't been able to clean it.

[135iMike]

Gosh that makes me cringe. Glad you're okay dude - accidents suck, even when you're not at fault, you're still losing out.. Hopefully you get everything sorted out right and you get yourself back into something as awesome!