Spun Into Kerb - Advice Needed

Discussion in 'F80 M3 Saloon / F82 M4 Coupe / F83 M4 Convertible (2014-present)' started by SE24, Nov 21, 2020 at 10:59 PM.

  1. 21 Nov 2020 at 10:59 PM #1
    SE24

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    Evening All

    Long story short, spun and hit kerb pertty hard with both front and then rear on passenger side (hitting the curb almost parallel with the side of the car but the rear taking the heavier impact) going about 20 mph. No other cars or people around.

    Tracking now miles out, front and rear do not feel right, steering way off centre, both alloys damaged but not cracked that I can see. Stability warning comes on and even when turning off it comes back on.

    As minimum I'm expecting I need to replace at least one wheel and some suspension components.

    Need some advice as car is on PCP - do I go to dealer, have them pull my pants down (and therefore have to go through insurance) or do I try and solve via an indy? If I do the latter, will the stability warning get logged somewhere and cause me problems when the car goes back? Equally if there are new suspension components on the car and the dealer inspects, will that cause issues?

    Would like to avoid insurance if possible

    Pics on link below (can't work out how to embed) - front wheel got off lighter than I thought, rear wheel not so much - wheels still seem in the right place within the arches, no major camber change that I keen see with naked eye (obv there will be some!)

    https://imgur.com/TD4cNtv (front)
    https://imgur.com/SxDuf1D (rear)

    Any and all advice welcome - thanks in advance
     
    Last edited: Nov 22, 2020 at 2:22 PM
  2. 21 Nov 2020 at 11:14 PM #2
    R60BBA

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    Hmm.

    Best bet would be to get your car inspected by an indy so you know exactly what you are looking at.

    If it isn’t expensive then get the indy to repair the car using genuine BMW parts, however if you’re looking at silly money then you are better going off through insurance.

    Although it would be a fault claim, it’s what its there for and a slight increase in premium would probably be cheaper than paying silly money to fix it out of your own pocket.

    In regards to handing the car back to the dealer at the end of your PCP, as long as the car is mechanically and aesthetically sound I don’t think you will have any issues.
     
  3. 21 Nov 2020 at 11:22 PM #3
    SE24

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    Thanks for the advice R6, that was what I initially had in my head as a plan but also wanted to hear what others thought
     
  4. 21 Nov 2020 at 11:34 PM #4
    lawsy

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    It will likely cost you a fair few k to fix
    How much is your insurance excess?
     
  5. 21 Nov 2020 at 11:46 PM #5
    SE24

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    I will have to check but I think £600

    If the bill was over £2k I would seriously think about insurance and if £4k or above it would be an easy decision
     
  6. 21 Nov 2020 at 11:53 PM #6
    lawsy

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    It will be well above £2k from what you describe
    Unless you source all 2nd hand for cheap and fit yourself

    Just claim on insurance, that’s why we have it
     
  7. 21 Nov 2020 at 11:54 PM #7
    lawsy

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    Do you have any pics?
     
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  8. 22 Nov 2020 at 12:04 AM #8
    SE24

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    Thanks for the advice Lawsy - I will take some pics in the morning when it's light and add them to the orignal post
     
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  9. 22 Nov 2020 at 12:14 AM #9
    Neogeo

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    There will be quite a few parts to replace. I can see it going above £1.5k with the alloys.
    I have done it with the E46
     
  10. 22 Nov 2020 at 12:41 AM #10
    Jasonjo

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    Given PCP is a form of lease, I’m not sure it’s quite that simple - until you’ve paid the final payment that car isn’t yours and legally belongs to the finance company, hence I think they need to be informed as discussed here:

    https://www.moneyshake.com/car-leas...se-car/damage-on-a-lease-car-what-should-i-do

    I guess there’s an opportunity here to pretend nothing happened, keep the finance company in the dark and just get things fixed yourself, but I’m not sure the finance company quite see it that way as ultimately you have damaged their asset beyond the normal wear and tear acceptance - unless repairs are done to their required standards, there’s the potential for their asset to now be devalued and be worth less in the future if not repaired to a high (approved by them) standard

    Tricky one really, but personally I would get some quotes from both a main dealer and Indy to understand the likely scale of the repairs - the finance company will probably insist that it is repaired by an authorised repairer so they can ensure their asset is best maintained - you then need to decide if you pay for this repair yourself, or if you then involve your insurer to cover the costs

    The risk you take with not telling the finance company is that if they find out further down the line (when handed back for example) they could insist on repairing/fixing again to their standards and sending you the nice big bill to do so

    I guess it also depends if you intend on handing the car back at the end of the agreement, or whether you’re going to keep it - if keeping it, then the finance company likely won’t care about the history as ownership will transfer to yourself and any issues, or devaluation is then your problem not theirs

    So I think you need to understand the scale of the costs involved first, and whether you intend handing the car back, before deciding on the next steps...

    Not trying to be judgemental at all here, but PCP is tricky as you don’t really own the car and hence it’s more complicated than “do I cover the costs myself, or claim on insurance” - because it’s not your car, the choice of repairer (IMHO) isn’t your choice to make, although it is your choice as to whether you pay the repairer yourself, or get your insurer to cover the cost

    Sorry to hear about the incident dude, but glad to hear you and nobody else was hurt
     
  11. 22 Nov 2020 at 12:51 AM #11
    Jasonjo

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    P.S. I’d also check the small print on your PCP agreement to see what they state should be done in the event of vehicle damage during the agreement term - that may help understand their expectations without having to specifically call or inform them
     
  12. 22 Nov 2020 at 8:12 AM #12
    Telsy

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    First of all, sorry to hear that you have had a little bump, it’s easy done and can also be easily sorted.

    Don’t panic, you don’t know what’s wrong, it’s quite likely that one of the sensors on the shocks has been damaged as they are particularly sensitive.

    As has been suggested, you should get a quick visual inspection done; yourself if you have access to a safe way of raising the vehicle and have some competence, or a local specialist as has been suggested.

    Once you know the extent of the damage, you can then go about getting it repaired and provided it is using OEM parts and in line with manufacturers recommendations then you are fine. Essentially any VAT regsistered repairer that you are happy with should be acceptable.

    Don’t worry about informing the lender just yet; assuming it’s BMWFS, if you do try and inform them, there is no option on the phone system or website to do so and it seems no system is in place to record your volunteering the information should you chose to do so anyway. Ultimately, any cost to repair the vehicle and ensuring it is in a condition commensurate with age, permitted use and mileage is yours. If you do feel obligated to inform them, then do so once you understand the extent of the damage and if an insurance claim will arise.

    I would also suggest a level of anonymity in regards to both yourself and the car on what is ultimately a public forum if you are not intending to notify your insurer. I notified my insurer when I was struck by a bit of debris on a dual carriageway a year or so ago, paid for repairs myself but it was still recorded as an accident on my file and premiums increased as a result.
     
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  13. 22 Nov 2020 at 8:39 AM #13
    Penetrator

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    Don’t shoot ya self in the *******s
     
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  14. 22 Nov 2020 at 8:40 AM #14
    Unit

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    Technically to the letter you *should* tell both the finance company and insurance.

    However if you have it fully repaired using genuine BMW parts the former will most likely never know. Likewise they won’t care or check if you p/x the car and they get paid off when you settle.

    Insurance id wager you’ll have to tell unless you’re going to stomach the cost of a proper repair yourself.
     
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  15. 22 Nov 2020 at 10:34 AM #15
    Subzero269

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    I don't understand your reluctance to go through insurance?

    I'm not sure people understand quite how much energy goes through the car when you hit a solid (and low) immovable object, even at 20mph. 20mph might not sound like a lot, but that is a huge amount of force to put through components which were never meant to receive force in this way. Shocks/suspension arms/hubs only need to be bent out of line by mere fractions, often less than you can see with your eye, but the result is that you won't get the car to align properly.

    I would be surprised if this doesn't total £5-6000 in parts and labour. You potentially need two new alloy wheels at £600 each, the hub assemblies are likely to have been damaged, possibly the EDC shock on one side has been bent/damaged, all suspension arms/track rods almost certainly bent on the passenger sides (especially rear) and possibly damage to the differential as well (£££££), plus alignment and labour. Could be damage to the steering system too.

    This is a "throw it at the insurance company" job every day of the week, because it is then *their* responsibility to make sure that the car is fixed properly and back to how it was - if anything is wrong at all, you can throw it back at them and tell them to not hand it back until it's done properly. All for only £600 and a few years of having £100(?) added onto your premium. If you had scuffed your bumper in the car park then I'd be absolutely saying get it done independently, but the collision you had is likely to have done serious damage underneath that will easily, easily run into the thousands. Like I said, if the diff hasn't been damaged, I think it'll be £4-5k easily in repairs. If the diff has been damaged you're looking at £8-9k IMO.
     
    Last edited: Nov 22, 2020 at 10:40 AM
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  16. 22 Nov 2020 at 10:41 AM #16
    Telsy

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    Just as an observation, when I got struck by debris on the road and repaired the car; at BMW, at my own expense, the cost was a little over £1K. When they originally quoted on the assumption it was going through insurance, it was just under £3K. I got parts prices from forum sponsors and asked for evidence that parts needed replacing etc, I am sure you can conclude what was happening.
     
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  17. 22 Nov 2020 at 10:50 AM #17
    jayukRS

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    No need to tell the finance company...well I didn’t when I flooded my engine on the e92 and side swiped a central reservation 6 weeks after the new engine was fitted...almost £30k in claims in the space of 2 months.

    For the sake of £600 excess and a slightly higher premium on renewal, just take it to a main dealer and get it sorted..
     
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  18. 22 Nov 2020 at 10:51 AM #18
    jayukRS

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    No point and don’t need to
     
  19. 22 Nov 2020 at 10:55 AM #19
    Subzero269

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    Oh yeah for sure, bodyshops always ask you that question "Is this private or going through insurance" so they know how much to inflate the cost by.

    However, in this scenario, there are certain components in question which are very expensive and there is no way of getting around the cost of them, things like EDC shocks are about £800 bare unit each last time I looked, diffs are very expensive, hubs assemblies again expensive. We know for almost a dead certainty that several suspension arms are going to need to be changed at £150-£200 each, plus labour, plus alignments. Plus the alloy wheels, they'll at least need refurbishing, but I'd suggest that since they have been struck hard, they will have bent by an amount so probably replacement.

    In this scenario, there is no way I can see that the OP is going to save money by DIYing it. In this scenario, by going through insurance, depending on the damage, it's likely to range from the OP saving quite a bit, possibly to saving a fortune. And it comes with the added gem that you don't have to source and buy the parts yourself, you don't have to take it to a garage to get fixed only for them to call you up halfway through and say "ooo, yeh we didn't notice XYZ before, but that is also bent/cracked - what do you want us to do?", you don't have to worry about them doing a rubbish job with little recourse - you just get to hand it over to someone else as they drop you off a courtesy car, and say to them "Don't give it back to me until it's completely fixed".
     
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  20. 22 Nov 2020 at 11:01 AM #20
    jayukRS

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    I get people’s reluctance to go through insurance on small jobs like a minor dent or scrape, but when the bill will be in excess of over £2k which this will be it’s what it’s therefore.
     
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