Got in an accident...

[christiansBMW]

Guys the worst thing happened I was doing about 60 mph in my mothers brand new Infiniti M45 and got in a front end collision and totaled the car , I hade no seatbelt on and I'm perfectly fine but I got faulted and now most likely I'm going to have to sell my E39 540i to repay her for the insurance. Last night hade to be the worst night of my life ...

[Naikon]

okay what should we discuss?

[christiansBMW]

okay what should we discuss?

Ahah nothing just my short time on the forum might be coming to an end this week. And I will have a 540 for sale

[motion]

No seat belt, did the bag deploy? You're fortunate to be able to start a thread and should be thankful that you around to sell the 540.

[540i6speed]

you must think you are invincible. i dont get why anyonne would not wear their seatbelt, especially going 60!

[christiansBMW]

No seat belt, did the bag deploy? You're fortunate to be able to start a thread and should be thankful that you around to sell the 540.

Yeah the front and side airbags , and I am thankful there isn't a scratch on me . And yes it's a miracle!


you must think you are invincible. i dont get why anyonne would not wear their seatbelt, especially going 60!

Yeah I have jade that thought and right before that I was doing about 80 mph and slowed down

So if anyone is interested when I go to sell of I have to then I will inform you guys .

[bullard123]

How old are you?? That sounds like something teenagers would do..Glad you are ok and you have to be more careful in the future, especially driving nice cars like that. Hope everything works out for you

[motion]

In my opinion the 540 was the better car to begin with. If I were you mother I would take your title and give you the wreaked piece of s***.

[802e30]

Why would anyone have such crappy insurance on such an expensive car?

[BTGBimmer]

Guys the worst thing happened I was doing about 60 mph in my mothers brand new Infiniti M45 and got in a front end collision and totaled the car , I hade no seatbelt on and I'm perfectly fine but I got faulted and now most likely I'm going to have to sell my E39 540i to repay her for the insurance. Last night hade to be the worst night of my life ...

Sheesh. Wrong action in the wrong place at the wrong time..... hate when that happens!:eyecrazy I'm glad you escaped unscathed.

P.S. Where are you located that you might be selling your e39? (just checking, I'm still in the market at the moment)

[christiansBMW]

How old are you?? That sounds like something teenagers would do..Glad you are ok and you have to be more careful in the future, especially driving nice cars like that. Hope everything works out for you

Thanks but yes I'm 18 young and dumb got to learn from it .




Sheesh. Wrong action in the wrong place at the wrong time..... hate when that happens!:eyecrazy I'm glad you escaped unscathed.

P.S. Where are you located that you might be selling your e39? (just checking, I'm still in the market at the moment)

Thank you , and I am in las Vegas Nevada

[BTGBimmer]

Mmm. No can do on that one, hahaha. Quite a ways from Berkeley.... but hey GLWTS my fellow teenage BMW enthusiast! Hope things get better for ya. Drive safe.

[bigjoe87865]

I dont get it... what do you need to repay?

[tmvE39E53Z32TT]

It's good that you're un-hurt, but no seatbelt going 80mph? (before you slowed down to 60mph just before the collision)
I made my daughter learn the habit of buckle her seatbelt before starting the car.


Guys the worst thing happened I was doing about 60 mph in my mothers brand new Infiniti M45 and got in a front end collision and totaled the car , I hade no seatbelt on and I'm perfectly fine but I got faulted and now most likely I'm going to have to sell my E39 540i to repay her for the insurance. Last night hade to be the worst night of my life ...

:confused

[Craiga06]

I dont get it... what do you need to repay?

+1 I'm confused as to what your repaying aswell. You say its brand new, so I'm taking she has a loan on it. Therefore the bank would make her have full coverage insurance. That should pay for everything minus a ded. So I hope your not selling it so you can pay the deductible. If she can afford a brand new infinity, she shouldnt make you sell your car.

[christiansBMW]

Mmm. No can do on that one, hahaha. Quite a ways from Berkeley.... but hey GLWTS my fellow teenage BMW enthusiast! Hope things get better for ya. Drive safe.

Thank you !


It's good that you're un-hurt, but no seatbelt going 80mph? (before you slowed down to 60mph just before the collision)
I made my daughter learn the habit of buckle her seatbelt before starting the car.

:confused

The difference on the lease of the car after it is totaled out will be less then she owes




+1 I'm confused as to what your repaying aswell. You say its brand new, so I'm taking she has a loan on it. Therefore the bank would make her have full coverage insurance. That should pay for everything minus a ded. So I hope your not selling it so you can pay the deductible. If she can afford a brand new infinity, she shouldnt make you sell your car.

Yes it was a lease so after it is totaled out the heck for the car will be less then the debt owed on the car and believe me she can afford it but I need to own up to my mistakes and pay the difference if the difference is a lot

[TriniSpeC]

How old are you?? That sounds like something teenagers would do..Glad you are ok and you have to be more careful in the future, especially driving nice cars like that. Hope everything works out for you

I don't get into any front seat without a seat belt period.

I hope all is well, you selling your car to pay her deductible? Her insurance rates are going to go through the roof.

EDIT : Damn I just saw it was a lease, what was the payoff at the end of the lease?

[christiansBMW]

I don't get into any front seat without a seat belt period.

I hope all is well, you selling your car to pay her deductible? Her insurance rates are going to go through the roof.

EDIT : Damn I just saw it was a lease, what was the payoff at the end of the lease?

I'm not positive that's why I don't know if I will have to sell the 540 yet because it was a really expensive new car so I'm not sure what the difference is going to be

[VLee]

I'm not positive that's why I don't know if I will have to sell the 540 yet because it was a really expensive new car so I'm not sure what the difference is going to be

are you real?
you don't know why you have to sell your car after you totaled you mom's car?

[bigjoe87865]

Thank you !



The difference on the lease of the car after it is totaled out will be less then she owes



Yes it was a lease so after it is totaled out the heck for the car will be less then the debt owed on the car and believe me she can afford it but I need to own up to my mistakes and pay the difference if the difference is a lot

If you gap insurance, it should cover the difference... thats like the first thing the finance guy tries to cram down customers throats

[christiansBMW]

I don't get into any front seat without a seat belt period.

I hope all is well, you selling your car to pay her deductible? Her insurance rates are going to go through the roof.

EDIT : Damn I just saw it was a lease, what was the payoff at the end of the lease?

I'm not positive that's why I don't know if I will have to sell the 540 yet because it was a really expensive new car so I'm not sure what the difference is going to be




If you gap insurance, it should cover the difference... thats like the first thing the finance guy tries to cram down customers throats

Yup and I am regretting her decision to NOT PURCHASE it.




are you real?
you don't know why you have to sell your car after you totaled you mom's car?

I don't understand what you mean? I know why I would have to sell it. I just don't know if I am going to have to sell it yet

[AquilaBMW]

At the end of the day, it could just be his Mum giving him a hard life lesson. You totaled a car, you loose car privileges... :dunno

With a lease car, you are required to have enough insurance to cover the Total Loss of the car - and Lease Insurance Rates are higher because of this. The whole idea is that the Finance Company can recoup the total cost of the car - including the car's calculated residual value. With lease cars, the idea is you return a car in a certain "Good" condition for resale.

OP is not sure yet if he will have to sell his car, but I can see a parent requiring that as a lesson or losing driving privileges for a while as I said above.

You are 18, you will learn along the way. Hopefully, this was a lesson you won't dismiss nonchalantly. I am sure a bunch of us have made mistakes along the way. Take your knocks, learn and move forward.

[bigjoe87865]

Yup and I am regretting her decision to NOT PURCHASE it.





Im surprised it was allowed to happen... I assumed most dealers required gap insurance...especially on something this expensive.

good luck, Im thinking the difference is gonna be several thousands...maybe even more than your e39

[VLee]

aquila explain this nicely, in a nicer way.

'cus my brain is about to explode reading all the shenanigans.
and apparently you haven't learn your lesson, and you prove that to us by talking about the insurance company, or your mom's decision.

I don't get why other members are being extremely nice to you just because you barely escape death.

[christiansBMW]

Im surprised it was allowed to happen... I assumed most dealers required gap insurance...especially on something this expensive.

good luck, Im thinking the difference is gonna be several thousands...maybe even more than your e39

That's what I'm starting to think , and I'm not sure either it was a car she got after trading in a lease on another Infiniti

[Ironman273]

In Florida gap insurance is only availalbe when financing a vehicle. If the vehicle is leased it will automatically have gap insurance (as well as some other things like 100/300 coverage). This is why insurance on a leased vehicle is generally more expensive than what one can get on a financed one.

[christiansBMW]

At the end of the day, it could just be his Mum giving him a hard life lesson. You totaled a car, you loose car privileges... :dunno

With a lease car, you are required to have enough insurance to cover the Total Loss of the car - and Lease Insurance Rates are higher because of this. The whole idea is that the Finance Company can recoup the total cost of the car - including the car's calculated residual value. With lease cars, the idea is you return a car in a certain "Good" condition for resale.

OP is not sure yet if he will have to sell his car, but I can see a parent requiring that as a lesson or losing driving privileges for a while as I said above.

You are 18, you will learn along the way. Hopefully, this was a lesson you won't dismiss nonchalantly. I am sure a bunch of us have made mistakes along the way. Take your knocks, learn and move forward.

Very true , but my parents aren't to strict so the life lesson learned is be smarter then your age group.


aquila explain this nicely, in a nicer way.

'cus my brain is about to explode reading all the shenanigans.
and apparently you haven't learn your lesson, and you prove that to us by talking about the insurance company, or your mom's decision.

I don't get why other members are being extremely nice to you just because you barely escape death.

I don't understand what you are talking about I made a childish decision drove recklessly and it resulted in my moms 50,000 $ Infiniti to be totaled which happen to be a lease with no gap insurance and now there is a possibility that I will have to sell my E39 540i to cover all the financial costs such as the 2 tickets I was sighted one for reckless driving and the deductible and also the cost difference in the lease and the check for the totaled vehicle

[VLee]

Very true , but my parents aren't to strict so the life lesson learned is be smarter then your age group.



I don't understand what you are talking about I made a childish decision drove recklessly and it resulted in my moms 50,000 $ Infiniti to be totaled which happen to be a lease with no gap insurance and now there is a possibility that I will have to sell my E39 540i to cover all the financial costs such as the 2 tickets I was sighted one for reckless driving and the deductible and also the cost difference in the lease and the check for the totaled vehicle

smarter than bunch of other bricks out there?
hope that'll make you happy.

why are you still going on about "maybe, or maybe I don't have to sell my car?"
look at the big picture! god damn I'm still talking to a brick.
have a good day, sir!

[christiansBMW]

smarter than bunch of other bricks out there?
hope that'll make you happy.

why are you still going on about "maybe, or maybe I don't have to sell my car?"
look at the big picture! god damn I'm still talking to a brick.
have a good day, sir!

I honestly have NO IDEA what you are talking about , I post the thread to talk about what happened and to say that on a chance I will NEED TO SELL MY e39 I have no idea what you mean bricks ? Huh?