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      05-15-2017, 12:27 PM   #1
wallacelau
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hit a metal line on freeway

I hit a metal on the freeway yesterday night. It sliced through my left bumper for around 3.5 inches. Any ways to fix it? Or I have to replace it?
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      05-15-2017, 12:36 PM   #2
shadow191
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It can be fixed. But the fix isn't going to save you much over just getting a new M3 replica bumper since they're relatively cheap.
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      05-15-2017, 12:39 PM   #3
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diffuser / splitters
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      05-15-2017, 12:40 PM   #4
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Quote:
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diffuser / splitters
what he said
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      05-15-2017, 12:44 PM   #5
shadow191
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Do they make a diffusor that covers that area? And do they even make splitters for the rep?
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      05-15-2017, 12:53 PM   #6
John 070
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Sorry to hear, a couple weeks ago I couldn't avoid the head of a shovel....I couldn't find any damage when I got home, maybe it put a puncture into the covering somewhere near my left front jack pad....
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      05-15-2017, 12:54 PM   #7
wallacelau
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Originally Posted by shadow191 View Post
Do they make a diffusor that covers that area? And do they even make splitters for the rep?
I think no one makes splitters for m3 replica bumper
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      05-15-2017, 02:45 PM   #8
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I would do a simple fix just so it doesn't completely fall apart then cover it with a lip or splitters.
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      05-15-2017, 02:53 PM   #9
wallacelau
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Quote:
Originally Posted by Indyeah View Post
I would do a simple fix just so it doesn't completely fall apart then cover it with a lip or splitters.
it would not fall apart even without fixing it, I think. Splitters is a great option, but couldn't find any splitters for an m3 rep bumper. But I do not want the whole lip as it pretty pricey.
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      05-16-2017, 03:11 PM   #10
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Quote:
Originally Posted by wallacelau View Post
it would not fall apart even without fixing it, I think. Splitters is a great option, but couldn't find any splitters for an m3 rep bumper. But I do not want the whole lip as it pretty pricey.
JL-Motoring

http://www.jl-motoring.com/BMW_E92_E...p/bmfs9215.htm

Not sure if they have splitters but this is still an option. Cheaper than getting a new bumper.
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      05-16-2017, 03:50 PM   #11
shadow191
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^^ But that wouldn't cover the broken part, you'd still see the split. Splitters would but none fit without modding. New bumper is only going to be about that price + paint.
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      05-16-2017, 04:41 PM   #12
wallacelau
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Quote:
Originally Posted by shadow191 View Post
^^ But that wouldn't cover the broken part, you'd still see the split. Splitters would but none fit without modding. New bumper is only going to be about that price + paint.
Yep, a lip is not going to work.
Does anyone know how much work is needed to fit a splitter on an m3 rep bumper? Or it doesn't worth the effort?
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      05-16-2017, 08:26 PM   #13
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Quote:
Originally Posted by hOlykamOtie* View Post
diffuser / splitters
Assuming there are ones that cover this, good idea. This is what I did when I jacked up my front bumper by accidentally backing over a large rock (when front wheel went over it, rock flipped vertical and messed up the bumper).
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      05-16-2017, 10:47 PM   #14
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Why not just turn it in on insurance and replace with a quality part? Am I missing something?
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      05-16-2017, 11:28 PM   #15
wallacelau
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Why not just turn it in on insurance and replace with a quality part? Am I missing something?
I called AAA today. They gave me an estimate on repairing the bumper. It's $997 and I have to pay the $500 deductible. I am calling them tomorrow and check if that would affect my insurance rate. If it will, then I have to consider if it's worth it or not.
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      05-16-2017, 11:50 PM   #16
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Ouch!
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      05-16-2017, 11:52 PM   #17
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Quote:
Originally Posted by wallacelau View Post
I called AAA today. They gave me an estimate on repairing the bumper. It's $997 and I have to pay the $500 deductible. I am calling them tomorrow and check if that would affect my insurance rate. If it will, then I have to consider if it's worth it or not.
I run a $0 or $50 deductible on comp for reasons like this. It adds shockingly little cost to your premium. This will not hurt your rate.
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      05-17-2017, 01:11 AM   #18
wallacelau
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Quote:
Originally Posted by absentmathis View Post
I run a $0 or $50 deductible on comp for reasons like this. It adds shockingly little cost to your premium. This will not hurt your rate.
oh. the estimate says the type of loss is a collision, not a comprehensive. I assumed that is because the metal I hit was not in motion.
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      05-17-2017, 07:19 AM   #19
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      05-17-2017, 08:03 AM   #20
John 070
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Quote:
Originally Posted by absentmathis View Post
I run a $0 or $50 deductible on comp for reasons like this. It adds shockingly little cost to your premium. This will not hurt your rate.
Yep, my deductible is $100, I tried to increase it to $500 or even $1000 (c'mon had this hands insur. co for 7 yrs, never 1 claim), it would save < $20 per 6 mos., left it alone. That's comp, not to be confused with collision. My understanding is you hit a shovel on the road, that's comp, like hitting a deer. I could be wrong since as I said, nary a claim...
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      05-17-2017, 08:06 AM   #21
John 070
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Quote:
Originally Posted by wallacelau View Post
oh. the estimate says the type of loss is a collision, not a comprehensive. I assumed that is because the metal I hit was not in motion.
that's interesting, I was always told, you hit a deer, that's comp....that's why on my 1998 car I dropped collision long ago, but kept comp...

also I was told a comp claim does not raise rates, but a collision claim will always raise rates...who the heck knows insurance people are like aluminum siding salesmen anyway (with my luck some member will say I'm an insurance and an aluminum siding salesman, wtf are you talking about)
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      05-17-2017, 11:42 AM   #22
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Who wrote the quote - a shop or an adjuster from your insurance co? Either way you just need to talk to your insurance co. I had an incident with debris on the road a few years ago and I don't recall exactly which category it was classified but it wasn't collision. I had to negotiate them a little bit to get them to get to that end.
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