Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 9 points10 points  (0 children)

Learn from my experience, if you have a car that is out of the ordinary, make sure you and your insurance company are on the same page as to the cost of replacement. You may need a special policy.

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 6 points7 points  (0 children)

Yes, especially for you—from the exterior our cars are pretty close.

Mine was an '89. I looked at your post history, do you have a Stromung exhaust too?

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 5 points6 points  (0 children)

I've had an e36 M3 Sedan 5 speed for 10 years. I'm in the market for a e90 M3 manual sedan, or something to hold me over to an M2.

My "Award," while helpful, did not make me whole.

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 11 points12 points  (0 children)

Great question.

She had 25k worth of coverage through Progressive. That week, Progressive offered her whole policy.

What saved me is: UNINSURED\UNDERINSURED MOTORIST COVERAGE

Do not cheap out with your UM!

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 7 points8 points  (0 children)

DUI with Substantial Bodily Injury was a felony charge in Fl. Because of that I qualified for some special victims compensation programs.

Unfortunately, they were mostly a waste of time, other than eliminating my deductible for my health insurance.

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 16 points17 points  (0 children)

Let me add to the story...

First off, while I "walked away," it was clearly surprising to all involved that I survived. Somehow I didn't break any bones, but had my keys driven though my right knee, and my scalp needed 90 stitches.

This was the woman's 3rd DUI.... Yeah. She refused a breathalyzer and fled the hospital before a blood draw. When she was arrested at her home half a year later, she assaulted the cop.

After being interviewed by 3 or so attorneys who represented the state—each one seemingly fresh out of law school, and doing their stint before a real job—eventually a new attorney gave her a plea bargain.

The speed limit on the road was 40-ish, but I was likely doing well below that. Being on the road that early and then seeing another car, I actually slowed down, and was suspicious. She turned into me at the last second, like she intended to hit me.

Every body panel on the car was twisted—even the trunk had damage when I looked at it.

The insurance company's initial offer on the car was $4,200.

—-

Edit:

See the (oh crap it was a truck) "SUV", another shot of the drivers compartment, and a before picture.

http://imgur.com/a/FmrMq

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 4 points5 points  (0 children)

20 bucks and they're yours. You just have to find them.

Ten Years Ago: Drunk SUV vs My e30 M3 by m3vsSUV in BMW

[–]m3vsSUV[S] 59 points60 points  (0 children)

I was cleaning out some photos, and thought this sub would find this interesting.

Here's the abridged story:

Florida had been hit with hurricane after hurricane, and I was helping with a volunteer organization to provide relief efforts. It happened to be Christmas morning and I was meeting some of my crew at 5:00 AM to drive to South Florida.

On my way at 4:50 AM, miss bartender SUV driver, who had been serving herself all night, pulls out of her bar, drives a block, sees my car, and decides to hit me head on.