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Ok, here are the details, followed by my urgent questions:
- Saturday 12:00 Noon in the rain ,
- Left hand curve on very slick section at 35 MPH,
- Tires fine, road banked wrong way, road is like driving on wet marbles,
- My rear-end swings out right, begining a spin into the on-coming lane,
- The on-coming car and I collide, hard on my passenger side rear quarter,
- The force of the oncoming car knocks me back the other way,
- I go off the opposite side of the road (the on-coming side) through a wooden fence,
- The fence damages the drivers-side rear quarter panel,
- My damage is: both rear quarters, rear axles are out of whack, broken wheel, trunk damage, CD player in pieces, pass-side door, rear pass-side window broken, rear bumber skin ripped off, rear lenses broken, etc. You get the picture.
Questions:
Will it get "Totalled" by my insurance co.?
If it is "Totalled", how do I keep from getting screwed on the retail value?
Range of repair cost (ball-park guess), if not totalled?
If I want to keep it (YES), what is my best play with my insurance co.?
How should I play the adjuster?
Where should the car be when he looks at it? BMW Dealer, High-end body shop, or does it matter?
If it is "Totalled", do I want to buy back the wreck?
A million other questions that I don't know enough to ask.
The car:
Black 91 CiA, 52K Miles,
All books, tools and records,
A "9" on a scale of 1-10.
US Spec/Euro Import
Please help, this is a very hard situation.
Thanks in advance,
Mike T.