Insurance Coverage for Rear Bumper?

Shazmonkee · 03-09-2011, 09:10 PM

Some lady reversed into my rear bumper while I was at work, and we're both going through AAA to get my rear bumper fixed.

Deductible is waived, and I plan to go to LTBMW to get my rear bumper replaced.

I currently have a standard OEM rear 328i bumper no PDC, but I was looking towards replacing it with the M-Sport Rear Bumper (with possibly a nice diffuser).

The adjuster needs to come and assess the damage, but from other friend's experiences, it's replaceable (paint ships and paint cracks and two visible dents).

Question is does it matter that the OEM bumper sells a little over $400 + paint + install versus the M-Sport + diffuser which can be easily twice as much? Meaning, if I wanted to get the M-Sport bumper, would I have to end up paying the difference of the OEM vs. M-Sport?

First time going through the process, so I wanted to get some opinions and experiences. Thanks!

paulkim510 · 03-09-2011, 10:59 PM

Same thing happened to me, someone ran into my rear bumper. I got it fixed through insurance. I got the repair amount quoted at one of my insurance company's approved body shops. Then took it to another body shop and had them install a m-tech rear bumper and I just paid the difference which was only like $120

Bluesummer · 03-09-2011, 11:02 PM

wow havnet seen you for the longest time!!!

Mahhvinn · 03-09-2011, 11:09 PM

It's not hard to go through the process if you body shop is wiling to help. I got my M Performance front bumper through my body shop. It was an extra 100 over the stock oem bumper and they waived it for me. Best of luck.

Shazmonkee · 03-10-2011, 12:12 AM

Quote:

Originally Posted by paulkim510

Same thing happened to me, someone ran into my rear bumper. I got it fixed through insurance. I got the repair amount quoted at one of my insurance company's approved body shops. Then took it to another body shop and had them install a m-tech rear bumper and I just paid the difference which was only like $120

Yea, this was what I was hoping to avoid. lol

Quote:

Originally Posted by Bluesummer

wow havnet seen you for the longest time!!!

What's up with that?

I haven't gone anywhere too hahahah

Quote:

Originally Posted by M_Truong

It's not hard to go through the process if you body shop is wiling to help. I got my M Performance front bumper through my body shop. It was an extra 100 over the stock oem bumper and they waived it for me. Best of luck.

Yeah, this is what i'm hoping for. I hope LTBMW and the adjuster are both willing to work with me

king.gerard · 03-29-2011, 05:59 AM

Unless your body shop is willing to substitute the original for what you want, there’s no way you can claim the M-Sport Rear Bumper from regular car insurance.

03-09-2011, 09:10 PM	#1
Shazmonkee 116 Rep 2,455 Posts Drives: BMW E92 Join Date: Feb 2007 Location: United States iTrader: (11) Garage List 2007 BMW 328i E92 C ... [0.00]	Insurance Coverage for Rear Bumper? Some lady reversed into my rear bumper while I was at work, and we're both going through AAA to get my rear bumper fixed. Deductible is waived, and I plan to go to LTBMW to get my rear bumper replaced. I currently have a standard OEM rear 328i bumper no PDC, but I was looking towards replacing it with the M-Sport Rear Bumper (with possibly a nice diffuser). The adjuster needs to come and assess the damage, but from other friend's experiences, it's replaceable (paint ships and paint cracks and two visible dents). Question is does it matter that the OEM bumper sells a little over $400 + paint + install versus the M-Sport + diffuser which can be easily twice as much? Meaning, if I wanted to get the M-Sport bumper, would I have to end up paying the difference of the OEM vs. M-Sport? First time going through the process, so I wanted to get some opinions and experiences. Thanks!
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03-09-2011, 10:59 PM	#2
paulkim510 Lieutenant 37 Rep 540 Posts Drives: e92 Join Date: Apr 2008 Location: BaY Area iTrader: (6) Garage List 2007 E92 [0.00]	Same thing happened to me, someone ran into my rear bumper. I got it fixed through insurance. I got the repair amount quoted at one of my insurance company's approved body shops. Then took it to another body shop and had them install a m-tech rear bumper and I just paid the difference which was only like $120
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03-09-2011, 11:02 PM	#3
Bluesummer Lieutenant General 595 Rep 15,814 Posts Drives: slower than Ayrton Senna Join Date: Dec 2006 Location: SoCal iTrader: (15) Garage List 2017 BMW X5M [0.00] 2015 M4 [0.00] 2011 E82 135 [0.00] 2011 M3 [0.00] 2007 335 [0.00]	wow havnet seen you for the longest time!!! __________________ IG:d.violet.m3
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03-09-2011, 11:09 PM	#4
Mahhvinn EUROPROJEKTZ 191 Rep 7,958 Posts Drives: backwards Join Date: Dec 2008 Location: San Jose, CA (Bay Area) iTrader: (15) Garage List 2008 E90 335i [7.00]	It's not hard to go through the process if you body shop is wiling to help. I got my M Performance front bumper through my body shop. It was an extra 100 over the stock oem bumper and they waived it for me. Best of luck. __________________ LTMW\|SPEEDELEMENT\|EUROPROJEKTZ #TeamStretchNPoke
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03-29-2011, 05:59 AM	#6
king.gerard Banned 0 Rep 8 Posts Drives: Black Join Date: Mar 2011 Location: Bel Air, Maryland iTrader: (0)	Unless your body shop is willing to substitute the original for what you want, there’s no way you can claim the M-Sport Rear Bumper from regular car insurance.
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