[two_three_two]

Originally Posted by JABCAT

What's the threshold for insurance to total the car?

^^if BMW USA is welching then plan B is def get the car totalled. premiums are gonna suck soon either way

[Bumpinjeep]

Christ, this might as well be an ad for the oil skid plate. Just ordered the Mishimoto plate for the M2.
OP, please reach out to Mishimoto and have them send you one for free for all of the advertisement. I'm thinking they are going to get a bunch or orders within the next week. I'm legit going to email them telling them about this thread and that they should just send you one.

[Tag]

Originally Posted by xps

Update:

got a quote for 38k for the engine and another 8k for the turbos. Dealer said there nothing anyone would do on the BMW side, my only option is insurance, which is what I guessed.

So what are my options? My insurance said this will be a collision damage claim according to their books and since MI is a no-fault state, this makes no difference whose fault it is. So my premiums are going to be affected.

Sorry to hear that. You should still contact BMW NA directly and see what they say. If you've exhausted all options and have to go through your insurance, I'd ask them to total it.

[Trogster]

Originally Posted by M2siast

I don’t know why our cars don’t have that rubber flap under the bumper, and European cars do… I’m wondering if that can help deflect debris.

Is this the rubber flap you're referencing....mounted just ahead of the oil cooler?

[M2siast]

Originally Posted by Trogster

Is this the rubber flap you're referencing....mounted just ahead of the oil cooler?

Check out this picture: https://www.bimmerpost.com/forums/sh...php?p=30720423

Our NA cars don’t have that rubber lip.

[xps]

Originally Posted by Tag

Sorry to hear that. You should still contact BMW NA directly and see what they say. If you've exhausted all options and have to go through your insurance, I'd ask them to total it.

I did and I got the same response if the damage is external the warranty doesn't apply. There is no case here, unless there is some class action lawsuit for poor design on BMW.

There is no other way than BMW themselves stepping in to help out of good will. Such is life, I would probably not spend my energy worrying about this and just get it done with my insurance.

[xps]

Now at 48k is 69% of msrp. The percentage for totalling the car is 75% in michigan, which is 52.5k, so I guess they would not total. I also realized the quote doesn't show oil cooler, so may be another 1k?

Have any of you heard anyone requesting to total the car?

[Trogster]

Originally Posted by M2siast

Check out this picture: https://www.bimmerpost.com/forums/sh...php?p=30720423

Our NA cars don’t have that rubber lip.

Perhaps a marginal safety improvement. However you can just add a rubber flap extension and enjoy the same benefit.

[Tag]

Originally Posted by xps

I did and I got the same response if the damage is external the warranty doesn't apply. There is no case here, unless there is some class action lawsuit for poor design on BMW.

There is no other way than BMW themselves stepping in to help out of good will. Such is life, I would probably not spend my energy worrying about this and just get it done with my insurance.

Not a bad way to look at it, what's done is done. On the bright side you now have 46,000 reasons that show this is a design flaw to any naysayer!

[M2siast]

Originally Posted by xps

Now at 48k is 69% of msrp. The percentage for totalling the car is 75% in michigan, which is 52.5k, so I guess they would not total. I also realized the quote doesn't show oil cooler, so may be another 1k?

Have any of you heard anyone requesting to total the car?

Show us your quote?
I’m assuming that includes labour?
If it doesn’t include the cooler, plus labour, you’re close to meeting the threshold. And you know how it goes, they always find something new…

Let’s see the quote and see what else could be missing. This is ammo for you to talk to the adjuster and claim other parts/unforeseen labour, plus diminished value and the wait time for parts (since your car will likely be out of commission for 3 months, likely). You have a case for totalling it since it’s that close to the threshold for your insurance.

[Tag]

Originally Posted by M2siast

Show us your quote?
I’m assuming that includes labour?
If it doesn’t include the cooler, plus labour, you’re close to meeting the threshold. And you know how it goes, they always find something new…

Let’s see the quote and see what else could be missing. This is ammo for you to talk to the adjuster and claim other parts/unforeseen labour, plus diminished value and the wait time for parts (since your car will likely be out of commission for 3 months, likely). You have a case for totalling it since it’s that close to the threshold for your insurance.

This is the one time gap insurance would have made sense.

[M2siast]

Originally Posted by Tag

This is the one time gap insurance would have made sense.

We don’t know if he owes more to the bank than the car is worth.

[two_three_two]

Originally Posted by xps

Now at 48k is 69% of msrp. The percentage for totalling the car is 75% in michigan, which is 52.5k, so I guess they would not total. I also realized the quote doesn't show oil cooler, so may be another 1k?

Have any of you heard anyone requesting to total the car?

this is just an initial estimate is my guess. it could easily hit that threshold to total. what you are describing does happen in indys with some frequency, and maybe a dealer employee knows how one of them might react to such a request

[xps]

Originally Posted by M2siast

Show us your quote?
I’m assuming that includes labour?
If it doesn’t include the cooler, plus labour, you’re close to meeting the threshold. And you know how it goes, they always find something new…

Let’s see the quote and see what else could be missing. This is ammo for you to talk to the adjuster and claim other parts/unforeseen labour, plus diminished value and the wait time for parts (since your car will likely be out of commission for 3 months, likely). You have a case for totalling it since it’s that close to the threshold for your insurance.

[Tag]

Originally Posted by Trogster

Is this the rubber flap you're referencing....mounted just ahead of the oil cooler?

Post #10

[M2siast]

You’re at $45,909 and it includes:

- new engine
- new oil cooler
- new turbos

So I suppose all is included (labour as well) which makes the situation a bit more grim… because adjusters are VERY good at reducing the amounts with severe discounts with shops. So the total for the insurance will likely be much less. So further distancing you from a total loss scenario.

I don’t think you have many options unfortunately other than ask the adjuster to push for a total loss given the points I said (more hidden damage to other parts, wait, etc.)

Let us know what happens.

[fangelov]

Originally Posted by M2siast

You’re at $45,909 and it includes:

- new engine
- new oil cooler
- new turbos

So I suppose all is included (labour as well) which makes the situation a bit more grim… because adjusters are VERY good at reducing the amounts with severe discounts with shops. So the total for the insurance will likely be much less. So further distancing you from a total loss scenario.

I don’t think you have many options unfortunately other than ask the adjuster to push for a total loss given the points I said (more hidden damage to other parts, wait, etc.)

Let us know what happens.

Not sure if the tax was included, if not that could add a lot more money to the total.

[TacosRule!]

Originally Posted by xps

Now at 48k is 69% of msrp. The percentage for totalling the car is 75% in michigan, which is 52.5k, so I guess they would not total. I also realized the quote doesn't show oil cooler, so may be another 1k?

Have any of you heard anyone requesting to total the car?

Op, feel horrible for you. Its extremely frustrating to have this happen when it was completely out of your control.

What about swapping the engine with a junkyard S58, then immediately turning around and trading it in? A competent mechanic would have no problem swapping it out, and it wont be reported to carfax.

Not very ethical but then again, its 50K. I'll be a scumbag for once if I was in this situation.

EDIT: another option is to rebuild it. There are a couple of reputable builders than can tackle this, will be cheaper than dealer and again, its still the factory engine with matching serial and VIN. The immediately trade it in if it still bugs you.

https://www.ghassanautomotive.com/pr...bmw-s58-engine

https://miamiengines.com/bmw-engine-rebuilds/s58/

Hell, even Dinan who's known to overcharge is FAAAAR more reasonable than the dealer.

https://carbahn.com/product/cbs58-60...-m3-m3-c-m4-c/

[Carefree]

Originally Posted by TacosRule!

What about swapping the engine with a junkyard S58, then immediately turning around and trading it in? A competent mechanic would have no problem swapping it out, and it wont be reported to carfax.

Not very ethical but then again, its 50K. I'll be a scumbag for once if I was in this situation.

For once?

[xps]

Originally Posted by TacosRule!

Op, feel horrible for you. Its extremely frustrating to have this happen when it was completely out of your control.

What about swapping the engine with a junkyard S58, then immediately turning around and trading it in? A competent mechanic would have no problem swapping it out, and it wont be reported to carfax.

Not very ethical but then again, its 50K. I'll be a scumbag for once if I was in this situation.

EDIT: another option is to rebuild it. There are a couple of reputable builders than can tackle this, will be cheaper than dealer and again, its still the factory engine with matching serial and VIN. The immediately trade it in if it still bugs you.

https://www.ghassanautomotive.com/pr...bmw-s58-engine

https://miamiengines.com/bmw-engine-rebuilds/s58/

Hell, even Dinan who's known to overcharge is FAAAAR more reasonable than the dealer.

https://carbahn.com/product/cbs58-60...-m3-m3-c-m4-c/

If I had to do something shady I would have filled up the oil and replaced the oil cooler before going to the dealership. Too bad too late. , may be they would probably figure out the cooler was replaced and still deny warranty

[evidence]

Originally Posted by robopp

Putting radiators on the front must be a design flaw too.

https://www.bimmerpost.com/forums/sh...php?p=30489711

Where do you propose BMW put the oil cooler? There are only so many places and all are vulnerable.

Easy..

[M_Power Rob]

Originally Posted by TacosRule!

Op, feel horrible for you. Its extremely frustrating to have this happen when it was completely out of your control.

What about swapping the engine with a junkyard S58, then immediately turning around and trading it in? A competent mechanic would have no problem swapping it out, and it wont be reported to carfax.

Not very ethical but then again, its 50K. I'll be a scumbag for once if I was in this situation.

EDIT: another option is to rebuild it. There are a couple of reputable builders than can tackle this, will be cheaper than dealer and again, its still the factory engine with matching serial and VIN. The immediately trade it in if it still bugs you.

https://www.ghassanautomotive.com/pr...bmw-s58-engine

https://miamiengines.com/bmw-engine-rebuilds/s58/

Hell, even Dinan who's known to overcharge is FAAAAR more reasonable than the dealer.

https://carbahn.com/product/cbs58-60...-m3-m3-c-m4-c/

That is not Dinan, the company. Carbahn is actually very reasonable.