[Sparks69]

Car was inspected by insurers today, so awaiting their verdict!!

[Sparks69]

Found out eventually the insurers want to repair the car!! Can't say I'm too happy about it!

[Sparks69]

Rung up the dealers this morning for an update, for them to ask me when I was going to be picking the car up!! Since Tuesday afternoon they'd replaced engine, turbo, intercooler, clutch, starter motor and exhaust!! Collect the car in the morning!!

[E93learner]

Originally Posted by Sparks69

Rung up the dealers this morning for an update, for them to ask me when I was going to be picking the car up!! Since Tuesday afternoon they'd replaced engine, turbo, intercooler, clutch, starter motor and exhaust!! Collect the car in the morning!!

wow, that's atleast 10k of work. suprised insurance company still wanted to repair it.

make sure you get something in writing, as it was water you dont know what gremlins might creep up in the near future, as the water gets around.

what about your interior, did that get soaked?

[Sparks69]

The estimate for the work was £11.5k!! I was surprised when I found out the car was going to be repaired!! especially as the first I knew about it was when I rang up the insurance company for an update two days after the inspection to find out the repairs had been authorised without my knowledge or approval!! As I assumed that the car was going to be written off I started looking and found another BMW and the BMW dealer refused to even bid on the car due to it being flood damaged!! So at the moment I'm refusing to collect the car and have lodged a complaint with Direct Line!

[Dr Dave]

I don't think you'll find it is up to you to decide if the car is repaired or not!

[ian_m]

nothing to do with you, its up to the insurer. It is their right to repair, replace or scrap and offer a settlement. That is what you pay the premium for, to be put, as near as possible, in the same position as you were before the claim occurred.

[warriorboy]

some may argue a better position, given that it has new engine and turbo etc

[Frobius]

And one would assume warranty on the new parts?

[G_M_S]

Unfortunately I doubt there would be any warranty, given that the bill was paid by the insurance company.

I would however try and get a detailed report from the garage as to what they replaced, even if they don't give you prices for the items.

May seem harsh, but like a warranty, insurers aren't there to improve your situation, but to put you back to where you where before the incident or offer options as ian_m mentions.

[spirocheter]

My friend just had a similar water damage to his six month from brand new one series, his . He reckoned the water was about six inches deep only, which sounds shallow indeed.

I think the main problem is if you carry too much speed, the bow wave rises up to the top of the radiator where the air inlet is located and your engine, turbocharger thereafter is history!

I had a three series damaged after a head on collision. The costs to the third party insurer were something like £7000 for repairs, and £5000 for the 'like for like' loaner car they talked me into (since it was clear from the accident it was the third party to blame). I took the car to my local BMW and even after returning the car about a dozen times, they still could not get it right (long story).... I traded it in and got £7000..... Hmmm, left me thinking there was some very creative valuations done.... Before and after trade in. I certainly left the situation feeling I'd have been better off if it had been declared written off (I suspect the insurers had felt the same way)!

Good luck getting your car back in a fully operational state. I can sympathize with your situation and difficulty in trading it in. Whilst your car has been fully repaired, it's monetary value has been affected. From experience of several accidents I have been involved in all claimed from the third parties' insurance, in several hundred thousand miles of driving, I have always lost considerable money. Your experience presents a good argument for leasing. Motoring can inflict some very unpleasant surprises at times.

[Sparks69]

I've now got the car back and it feels pretty good especially with the new clutch!! The judder I had has pretty much gone hope it stays that way!! I've still got a complaint lodged with the insurers about the total lack of communication, misleading info etc. I'll be surprised if anything comes of it! I'm still looking to replace the car but I'm not rushing as the positive aspect is I've got a new engine etc for £500!!