Oil Cooler Smashed - UPDATE 12/19: Increased to $35k in Damages

[jmg]

Originally Posted by HomoPirate

The MPE is slightly damage but insurance will replace anything that is damaged.

You can definitely make money out of it.

How so? Can I keep the damaged MPE?

[HomoPirate]

Originally Posted by jmg

How so? Can I keep the damaged MPE?

From what I see in the pictures, it is safe to keep the MPE and take the money of new one.

Depends on how you deal with the body shop because insurance company will only send check to body shop.

Or you don't want to mess with the body shop. Tell them to keep the damaged MPE and swap it back later after the repair.

Then sell the new MPE here or there.

[HomoPirate]

I just reread the pictures, it looks like the cat and the X pipe of MPE are both damaged but not the muffler. So, I guess the body shop won't replace the whole MPE.

[jmg]

Originally Posted by HomoPirate

I just reread the pictures, it looks like the cat and the X pipe of MPE are both damaged but not the muffler. So, I guess the body shop won't replace the whole MPE.

They are replacing the whole MPE. If anything I'm going to see if I can keep the old damaged MPE and sell it for dirt cheap. Id want a completely damage free MPE on my car for the next owner.

[Monteblueem5]

911 turbos are they same oil cooler sits on side of bumper one small rock hits the cooler can break the cooler

[elias]

Originally Posted by Monteblueem5

911 turbos are they same oil cooler sits on side of bumper one small rock hits the cooler can break the cooler

I just bought a 911 and I thought I was safe compared to the M4's but I guess
not, thank for the info.

[DML]

Originally Posted by jmg

I'm not sure why BMW didn't protect this, being so vital and all. It's like an Achilles heel except it's sticking right out there in front!

Should be a mandatory recall.

[Miko M]

Good thing you stoped right away, saved you more headache.
Same thing happened to a guy on F90 M5, hit a branch, didn't stop right away.... engine seized up.
Total damage $56K insurance also paid for everything but it's inconvenience dough

[Mr. Big]

The location of the oil cooler was my biggest worry on my M4. Installing one of those protector shields seems like a good idea for peace of mind.

[lemetier]

Originally Posted by jmg

11/30 UPDATE

More damage pics added to first post.

Am I reading this right that the repair includes replacing both headlamps not just (remove and re-install)?

[jmg]

Originally Posted by lemetier

Am I reading this right that the repair includes replacing both headlamps not just (remove and re-install)?

Yup. Supposedly the tabs on the headlights broke.

[lemetier]

Originally Posted by jmg

Yup. Supposedly the tabs on the headlights broke.

Damn. Tweaked the whole front end then. Makes the oil cooler "vulnerability" a moot point really. Glad you're ok man. Might want to push for a total loss.

[nicknaz]

Originally Posted by Monteblueem5

911 turbos are they same oil cooler sits on side of bumper one small rock hits the cooler can break the cooler

OP hit a rock the size of a football at highway speed.

A LOT can get broken by that

[nicknaz]

Originally Posted by jmg

Yeah I'm counting my blessings. While it didn't happen on the track this time, this goes to show how easily things can go very wrong. What carrier do you recommend? Looks like it's around $350 with a 10% deductible. That's pretty steep.

I used lockton when I had hpde insurance.

Agreed, tracking a new German street car is expensive.

Time for an old, modified, track only race car, buddy

[jmg]

UPDATE 12/19

Well, it's been a long month and a half, but I finally got my F80 back! The grand total was $35,000 compared to the initial $28,000. I haven't completely gone over the invoice because honestly it's pages and pages long and I'm just glad to have it back. Apparently something to do with the Air Conditioning. Maybe the condenser? No pic but some bad news: Just after 2 days of driving I hit one of those truck tire treads on the freeway as I was changing lanes. It was laying almost flat on top of the lane button reflectors, so it was hard to spot. It made some black marks on the new front bumper and side skirt. FML I guess I just can't catch a brake. I think it might just rub off though.

[damageprone]

Originally Posted by jmg

UPDATE 12/19

Well, it's been a long month and a half, but I finally got my F80 back! The grand total was $35,000 compared to the initial $28,000. I haven't completely gone over the invoice because honestly it's pages and pages long and I'm just glad to have it back. Apparently something to do with the Air Conditioning. Maybe the condenser? No pic but some bad news: Just after 2 days of driving I hit one of those truck tire treads on the freeway as I was changing lanes. It was laying almost flat on top of the lane button reflectors, so it was hard to spot. It made some black marks on the new front bumper and side skirt. FML I guess I just can't catch a brake. I think it might just rub off though.

Wow...just some luck you have there. I'm sorry man. You better get that turner skid plate quick!

[M3 Adjuster]

Originally Posted by jmg

UPDATE 12/19

Well, it's been a long month and a half, but I finally got my F80 back! The grand total was $35,000 compared to the initial $28,000. I haven't completely gone over the invoice because honestly it's pages and pages long and I'm just glad to have it back. Apparently something to do with the Air Conditioning. Maybe the condenser? No pic but some bad news: Just after 2 days of driving I hit one of those truck tire treads on the freeway as I was changing lanes. It was laying almost flat on top of the lane button reflectors, so it was hard to spot. It made some black marks on the new front bumper and side skirt. FML I guess I just can't catch a brake. I think it might just rub off though.

typically an oil cooler, transmission cooler (when present) a/c condenser and of course radiator are all in close proximity to each other... They are often mounted in the order listed, so if something makes a large impact to the front item.. (oil cooler) often times an a/c condender or even the radiator can also have collateral damage.

[M3 Adjuster]

Originally Posted by farg

(1) It will be comprehensive and it does not make any difference if YOU were in motion.

(2) If the rock was in motion and not stationary, it will be comp.

(3) If the rock was stationary and you hit it, it will be collision.

Explained to me by an adjuster who was evaluating my claim for hitting a tire tread on the freeway in my E46M3, that was kicked up by the car in front of me. It was covered as comp.

1- Correct
2- Correct
3- Correct

not only was it explained correctly to you, your examples above are all correct as well.

An airborne item striking your vehicle is handled as comprehensive.
Running over /into/onto an object that is stationary or on the ground is collision.
Striking an animal is considered comprehensive - regardless of the status of the animal (alive or dead, moving or not) .

[farg]

That is one of the reasons why I have told my wife and daughter to "hit the deer". Do not try to avoid it, run in the ditch, hit a tree, and possibly hurt/kill yourself in the process of getting into a collision with a stationary object. HIT THE DEER

[Jim B]

Originally Posted by farg

That is one of the reasons why I have told my wife and daughter to "hit the deer". Do not try to avoid it, run in the ditch, hit a tree, and possibly hurt/kill yourself in the process of getting into a collision with a stationary object. HIT THE DEER

OH, DEER!!!

[kss]

Originally Posted by farg

That is one of the reasons why I have told my wife and daughter to "hit the deer". Do not try to avoid it, run in the ditch, hit a tree, and possibly hurt/kill yourself in the process of getting into a collision with a stationary object. HIT THE DEER

Last year I swerved to aviod an idiot who was speeding in a parkade and was on my lane. Ended up scraping the side of the rear passenger door to the back of my SUV. My first at fault accident in 31 years. With the effect it’s had on my insurance, there isn’t a week that goes by where I wish I hadn’t just stayed inn my lane and let him hit me head on. The SOB also drove off to add to my anger.

[damageprone]

Originally Posted by kss

Last year I swerved to aviod an idiot who was speeding in a parkade and was on my lane. Ended up scraping the side of the rear passenger door to the back of my SUV. My first at fault accident in 31 years. With the effect it’s had on my insurance, there isn’t a week that goes by where I wish I hadn’t just stayed inn my lane and let him hit me head on. The SOB also drove off to add to my anger.

I think you may have come out on top on that one though...better to be angry than dead.