Fender bender (need advice)

Notyourplug33 · 10-16-2020, 05:50 PM

Been having a bad week. I just purchased my M4 this week and had it sitting outside overnight and some idiot decides to hit me. I'm not under insurance since I JUST purchased it not even 4 days ago! I removed the bumper and I see no damage besides the bumper, left headlight & fender has a minor bend.. also added a photo of my fender gap.. it's quite off compared to the passenger side & it's worrying me as I'm paying out of pocket. I have a oem bumper headlight & fender on the way & hoping I can get my car back to how I bought it so heartbroken I can barely sleep lol

bmwmdistrict · 10-16-2020, 05:54 PM

See if your insurance company will backdate or set start of your coverage on the new car to yesterday. If you're in good standing and not switching companies they can probably do it. Just be honest.

Pro tip, don't wait days to change insurance coverage for vehicles. You can do this all online in minutes, or I've even had the dealer offer to do it on the spot to update to the new purchased car.

BlackF82 · 10-16-2020, 06:19 PM

Plot twist, this idiot that hit the car is his significant other....he hasn't notice the other car's damage yet...lol

Joking.... sorry man, that really sucks!

pasta · 10-16-2020, 07:22 PM

That sucks, sorry to see and hear.

I assume you don't have their information? It was a hit and run? Do you have insurance on another vehicle and planned to switch to this one? If so, you might already be covered. But maybe you had to tell your agent this beforehand. I had 14 days to switch everything from one vehicle to the next and was fully covered driving my new car 6 hours home up until I got it all safetied and registered.

DocL · 10-16-2020, 07:30 PM

Whenever you purchase a car, even if you don't notify them immediately, you have coverage.

PhatLyfe · 10-16-2020, 09:04 PM

How did you drive out the dealership without insurance? First thing you need before you can drive the car of the lot, just in case you hit someone or shit happens.

Notyourplug33 · 10-16-2020, 09:17 PM

Quote:

Originally Posted by PhatLyfe

How did you drive out the dealership without insurance? First thing you need before you can drive the car of the lot, just in case you hit someone or shit happens.

Private seller I have title

DML · 10-16-2020, 10:12 PM

I'll assume this was parallel parked on the street, really bad idea. My sympathies though, semi gut wrenching. BTW, If you're going to get hit that's not a bad spot, you'll be as good as new.

Notyourplug33 · 10-16-2020, 10:23 PM

Quote:

Originally Posted by DML

I'll assume this was parallel parked on the street, really bad idea. My sympathies though, semi gut wrenching. BTW, If you're going to get hit that's not a bad spot, you'll be as good as new.

Just hoping the shop can match the paint to where it's not noticeable & also fix the gaps

IVM3 · 10-16-2020, 10:32 PM

Your insurance will cover this as others have said. Have you tried talking to them? This assumes you have an active policy that covers another car you own, or one you just sold.

DML · 10-16-2020, 10:34 PM

Quote:

Originally Posted by Notyourplug33

Quote:

Originally Posted by DML

I'll assume this was parallel parked on the street, really bad idea. My sympathies though, semi gut wrenching. BTW, If you're going to get hit that's not a bad spot, you'll be as good as new.

Just hoping the shop can match the paint to where it's not noticeable & also fix the gaps

I had a MW "M3" which had the slightest damage in almost the exact spot as you, my guy matched the paint PERFECTLY. Go somewhere reputable and you'll be fine.

GrussGott · 10-17-2020, 01:58 AM

Quote:

Originally Posted by Notyourplug33

Just hoping the shop can match the paint to where it's not noticeable & also fix the gaps

Take it to Autobahn right behind BMW of Mountain View and talk to Peter.

Those guys do fantastic work and no worries about paint match or anything - I've had them repair two different individual paints and they've done an awesome job (I'm an old detail nut and did a polish on a moonstone after and literally could not tell nor could my detailer - fernando @ silver creek)

Anyway, can't hurt to drive over and get a free estimate from Peter - I have no relationship with them other than business but from the # of times I've been there i should

As for insurance, tell Peter the situation and he might have some good advice for you ... many times insurance has a "grace period" depending on blah blah blah etc etc - bottom line is CALL YOUR INSURANCE COMPANY NOW if you want any hope of them paying - they'll deadline it.

Good luck!

RoundelM3 · 10-17-2020, 08:25 AM

Not clear on how insurance won't cover this - in NC (and most other states), it is illegal to drive without insurance, and most reputable car dealerships won't allow you to purchase without proof of insurance. If the OP had car insurance on his previous vehicle, his insurer should cover this. That aside, if anyone near his home has a security camera/doorbell, it might help to find whoever did the hit-and-run.

bimmer pleaser V2 · 10-17-2020, 08:45 AM

Just you know, depending how long you plan to keep this car, the diminished value due to this accident can be more than the cost of repair. So if you think about it and do the math it may be worth to just suck it up and get it fixed out of pocket at a reputable shop that does not report to Carfax.

Notyourplug33 · 10-17-2020, 08:55 AM

Quote:

Originally Posted by bimmer pleaser V2

Just you know, depending how long you plan to keep this car, the diminished value due to this accident can be more than the cost of repair. So if you think about it and do the math it may be worth to just suck it up and get it fixed out of pocket at a reputable shop that does not report to Carfax.

I honestly plan on keeping it, & even then I don't want damage to be reported on car fax. I went ahead & ordered a OEM headlight assembly, fender & bumper -3k & looking at about $2,500 for a respray

65fastback · 10-17-2020, 11:15 AM

Quote:

Originally Posted by Notyourplug33

I honestly plan on keeping it, & even then I don't want damage to be reported on car fax. I went ahead & ordered a OEM headlight assembly, fender & bumper -3k & looking at about $2,500 for a respray

Crappy situation man but...did or do you have a active ( in force ) auto insurance policy on another car?

Like others have said...you are covered, i don't understand why you are paying out of pocket?
MAKE A CLAIM! that's my advise.

PKizzle · 10-17-2020, 11:21 AM

Sorry to hear that. Pretty upsetting when you've had the car for just a week. Hope you can get it all sorted out, and she's back to being as good as when you bought it. Any chance the culprit will be found and charged with hit and run?

10-16-2020, 05:50 PM	#1
Notyourplug33 Private 7 Rep 59 Posts Drives: M4 Join Date: Oct 2020 Location: Santa Cruz iTrader: (0)	Been having a bad week. I just purchased my M4 this week and had it sitting outside overnight and some idiot decides to hit me. I'm not under insurance since I JUST purchased it not even 4 days ago! I removed the bumper and I see no damage besides the bumper, left headlight & fender has a minor bend.. also added a photo of my fender gap.. it's quite off compared to the passenger side & it's worrying me as I'm paying out of pocket. I have a oem bumper headlight & fender on the way & hoping I can get my car back to how I bought it so heartbroken I can barely sleep lol Attached Images
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10-16-2020, 05:54 PM	#2
bmwmdistrict Major 908 Rep 1,044 Posts Drives: 2020 X3M Join Date: Nov 2018 Location: NoVa iTrader: (10) Garage List 2020 BMW X3MC [10.00]	See if your insurance company will backdate or set start of your coverage on the new car to yesterday. If you're in good standing and not switching companies they can probably do it. Just be honest. Pro tip, don't wait days to change insurance coverage for vehicles. You can do this all online in minutes, or I've even had the dealer offer to do it on the spot to update to the new purchased car. __________________ Rob \| instagram 2020 F97 X3 ///M Donington Grey 2018 G01 X3 xDrive30i Alpine White Previous: 2016 F82 ///M4 Black Sapphire Metallic \| My Build Thread
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10-16-2020, 06:19 PM	#3
BlackF82 First Lieutenant 207 Rep 307 Posts Drives: BMW M4 F82 Join Date: Mar 2019 Location: Phoenix, AZ iTrader: (0)	Plot twist, this idiot that hit the car is his significant other....he hasn't notice the other car's damage yet...lol Joking.... sorry man, that really sucks!
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10-16-2020, 07:22 PM	#4
pasta Private 78 Rep 71 Posts Drives: F82 M4 Join Date: Oct 2010 Location: Ontario, Canada iTrader: (0)	That sucks, sorry to see and hear. I assume you don't have their information? It was a hit and run? Do you have insurance on another vehicle and planned to switch to this one? If so, you might already be covered. But maybe you had to tell your agent this beforehand. I had 14 days to switch everything from one vehicle to the next and was fully covered driving my new car 6 hours home up until I got it all safetied and registered. __________________ F82 ///M4 \| Ducati 959 Panigale Previous: E92 335i \| E30 325i
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10-16-2020, 07:30 PM	#5
DocL Captain 1930 Rep 869 Posts Drives: 2018 M3 Join Date: Jan 2019 Location: Delray Beach iTrader: (2)	Whenever you purchase a car, even if you don't notify them immediately, you have coverage. __________________ 2018 F80 M3. YMB/BLK. ZCP. Three Pedals. "Education will never be as expensive as ignorance."
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10-16-2020, 09:04 PM	#6
PhatLyfe Major 985 Rep 1,144 Posts Drives: 2018 F83 AW/SO ZCP Join Date: Jul 2016 Location: Somerset County iTrader: (0)	How did you drive out the dealership without insurance? First thing you need before you can drive the car of the lot, just in case you hit someone or shit happens.
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10-16-2020, 10:12 PM	#8
DML Colonel 968 Rep 2,017 Posts Drives: 2020 Heritage Join Date: Feb 2013 Location: Darien CT. iTrader: (0)	I'll assume this was parallel parked on the street, really bad idea. My sympathies though, semi gut wrenching. BTW, If you're going to get hit that's not a bad spot, you'll be as good as new.
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10-16-2020, 10:32 PM	#10
IVM3 First Lieutenant 288 Rep 343 Posts Drives: 2016 M3 Join Date: Apr 2020 Location: USA iTrader: (0)	Your insurance will cover this as others have said. Have you tried talking to them? This assumes you have an active policy that covers another car you own, or one you just sold.
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10-17-2020, 08:25 AM	#13
RoundelM3 Major General 1835 Rep 6,989 Posts Drives: 15 F80 M3, 22 G01 X3 30i Join Date: Apr 2010 Location: Clayton, NC iTrader: (2) Garage List 2022 BMW X3 [9.83] 2015 BMW M3 [6.50]	Not clear on how insurance won't cover this - in NC (and most other states), it is illegal to drive without insurance, and most reputable car dealerships won't allow you to purchase without proof of insurance. If the OP had car insurance on his previous vehicle, his insurer should cover this. That aside, if anyone near his home has a security camera/doorbell, it might help to find whoever did the hit-and-run. __________________ 2015 F80 ///M3 Sedan 7DCT Tanzanite, 2022 X3 sDrive30i 8AT Brooklyn Grey
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10-17-2020, 08:45 AM	#14
bimmer pleaser V2 Second Lieutenant 515 Rep 232 Posts Drives: C43 Join Date: Feb 2020 Location: Houston iTrader: (0)	Just you know, depending how long you plan to keep this car, the diminished value due to this accident can be more than the cost of repair. So if you think about it and do the math it may be worth to just suck it up and get it fixed out of pocket at a reputable shop that does not report to Carfax.
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10-17-2020, 11:21 AM	#17
PKizzle Second Lieutenant 153 Rep 291 Posts Drives: F80 M3, E36 M3, X4 M40 Join Date: Jun 2011 Location: Cary, NC iTrader: (0)	Sorry to hear that. Pretty upsetting when you've had the car for just a week. Hope you can get it all sorted out, and she's back to being as good as when you bought it. Any chance the culprit will be found and charged with hit and run?
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