[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

[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.

[xps]

I think 3-5 years down the lane, when I am ready to switch the car, the engine replacement should make minimal difference. May be car prices shoot up like covid times and I get paid more than what it is worth. I know that is too optimistic. The premium impact is going suck considering I was paying 150 per month for 2 cars. Now that may become 250 to 300? May be more!

I hope the work is done properly such that I don't feel any difference from factory.

[TacosRule!]

Originally Posted by M_Power Rob

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

I meant Dinan the guy

[TacosRule!]

Originally Posted by xps

I think 3-5 years down the lane, when I am ready to switch the car, the engine replacement should make minimal difference. May be car prices shoot up like covid times and I get paid more than what it is worth. I know that is too optimistic. The premium impact is going suck considering I was paying 150 per month for 2 cars. Now that may become 250 to 300? May be more!

I hope the work is done properly such that I don't feel any difference from factory.

godspeed. Keep us posted.

[Danman5666]

Yikes. What an experience. Keep us posted on what insurance says.

[M_Power Rob]

Originally Posted by TacosRule!

I meant Dinan the guy

Gotcha...Like I said, Carbahn is actually reasonable on many items. Plus, its Steve, not a corporate conglomerate (would never purchase from Dinan, the company).

[apez]

OP, this sucks. My heart goes out to you.

I am also so impressed how well you seem to be taking it in stride.

[aerobod]

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.

Mine has it as a late April build, maybe eliminated on later builds, or based on some other config option?

[xps]

So did bmw start putting radiator mesh on the front radiators? Or was this always present?



This is frustrating that why wouldn't they have something on the oil cooler

[xps]

Since all the coolant puncture cases are handled by the insurance, bmw feels no pressure or need to fix the design. I really wish the insurance companies sued bmw for this but instead they will increase the premium and make the owner pay for the damage via increased premiums

[RPM33]

Originally Posted by xps

I think 3-5 years down the lane, when I am ready to switch the car, the engine replacement should make minimal difference. May be car prices shoot up like covid times and I get paid more than what it is worth. I know that is too optimistic. The premium impact is going suck considering I was paying 150 per month for 2 cars. Now that may become 250 to 300? May be more!

I hope the work is done properly such that I don't feel any difference from factory.

Let us know what happens with your insurance and any premium increases.

This is a terrible situation and my heart breaks for you. May you find peace and recover from this terrible situation in due time.

[M_Power Rob]

Originally Posted by xps

I think 3-5 years down the lane, when I am ready to switch the car, the engine replacement should make minimal difference. May be car prices shoot up like covid times and I get paid more than what it is worth. I know that is too optimistic. The premium impact is going suck considering I was paying 150 per month for 2 cars. Now that may become 250 to 300? May be more!

I hope the work is done properly such that I don't feel any difference from factory.

I would be happy paying $250-$300/month for two cars. I am paying double that (and dont get me started about homeowners insurance).

[aerobod]

Originally Posted by M2siast

Do you have a picture of it? Both from the front and the bottom so we can see where it attaches?

Seems to attach to a lip on the plastic mounting surround for the oil cooler:

[RPM33]

Originally Posted by M_Power Rob

I would be happy paying $250-$300/month for two cars. I am paying double that (and dont get me started about homeowners insurance).

How much are you paying for homeowners insurance Rob?