[Rcurran13]

Got into a wreck last night and wondering if y’all believe my 2022 x5 is totaled!!!

[BlkGS]

Any air bags blow? If not... Probably not based on your pictures.

[Rcurran13]

No they didn’t. The tow truck driver said the parts underneath the hood was snapped. I’m kinda shocked they didn’t i hit a wall going 55 mph.

[DanG]

I would be surprised if they didn’t total it. You have front end damage and the entire left side is damaged. I also expect engine supports and suspension damage.

[cbpip]

Needs to be around 75% on repairs of cars value to total unless frame is bent or twisted. Offset hits are a reason for total loss a lot of times.

[xander_g]

Hard to tell from the photos, no air bags deployed which is a good thing.
Does it run? Is it pissing fluid?

[NickyC]

Considering it's sitting on its side, I can confirm 100% totaled.

[Efthreeoh]

It's a 2022, which is still very new. How many miles are on it. It also depends on what state the vehicle is registered in and what that state's regs are for declaring total loss.

[Rcurran13]

Originally Posted by Efthreeoh

It's a 2022, which is still very new. How many miles are on it. It also depends on what state the vehicle is registered in and what that state's regs are for declaring total loss.

75k miles on it

[bimmerbenz65]

Yes

[Arcades]

It also depends on your insurance and how far they will go to fix it. If you have no mechanical damage, no frame damage, there is a chance they won't total it.

If it costs insurance less to fix than to pay you out for totaling it, they will fix it because it will cost insurance less.

[BMWbiker]

My guess:

If the damage is primarily cosmetic, e.g. sheet metal, then it probably won’t be totaled.

If there is structural damage, e.g. bent frame, substantial suspension damage, etc., then it will be totaled.

You’ll know soon enough. Best wishes either way. I hope everyone is all right.

[tturedraider]

From what is visible in the photos that’s not enough damage to total a 2022 model.

[M-technik-3]

Hope everyone is fine that was in the incident. I would say based on the mileage and year and no airbag deployment, No but as mentioned structural damage will total it in a heart beat.

The airbags should have deployed for this type of accident. This is the type they are protect the occupant from these days.

[zx10guy]

Baffles me as to what the actual parameters and algorithm used in triggering an air bag deployment. I say this as there are many cases where you would think air bags would deploy and they didn't. I was in one such situation. I was involved in a head on offset collision. My car at the time was a 2006 Ford Focus ZX3. Some idiot woman decided her cell phone was more important than driving. She veered into my lane over the double yellow. I couldn't get out of her way. Just before the bang, she was so close I could see her stupid face pointed down into her cell phone. Both of our cars were probably traveling at about 30 MPH. The impact sent her front bumper cover flying into the air landing about 20 yards down the road in the direction of her travel. None of my air bags went off.

[Efthreeoh]

Originally Posted by Rcurran13

75k miles on it

So, in preparation for the insurance discussion, you should get a few internet-sourced private-party sale values for it at 75,000 miles from KBB, Edmunds, etc. Then look up your state's regulations for what is allowed (by the insurance company) to be declared a total loss; most states are around 75% repair cost to private-party resale value. Some states are higher and some have no regulations at all.

As others have stated, frame/suspension damage and airbag deployment are cost factors. Also, the seatbelt(s) pyrotechnics probably fired; they are not always tied to airbag deployment.

[Kaizer84]

More than likely totaled. The suspension damage and other things underneath is what will total it.

[RockCrusher]

That's unfortunate. Hope every one is ok.

Totaled? My experience is to seek out the absolutely best repair shop and arrange to have the car in to have the extent of the damage estimated.

The insurance company adjuster will first have to visit/view the car and his repair estimate will be low.

But if the insurance adjuster declares the car a total loss that's it.

But maybe he doesn't.

So the repair shop then will assess the damage and estimate repair costs. And invariably its estimate will be higher. Why? Well, one reason is the shop will preform some tear down to better view and assess the damage.

If there is suspected structural damage -- and there probably is -- this means the car will have to be put on a precision bench and various hard point locations checked. If any are found out of position they can be brought back into position. This step is critical to ensuring a proper repair. But it is expensive and insurance companies balk at paying for this.

I have had this done to at least one car. A Celette Bench was used

You want the car repaired to BMW standards not the insurance company's standards.

The above will raise the cost of repair and could result in the car being declared a total loss.

Frankly with that kind of damage I would prefer to have the car declared a total loss rather than have it repaired.

However, if you file a claim with your insurance company you might find you signed away some rights regarding repairs. Rights such as new factory parts vs. OEM or even used parts.

(In one case the at fault driver's insurance company *insisted* on used parts. Body shop ordered the part: Front bumper cover. It was in worse condition than the bumper cover on the car which was clearly damaged too much to remain in service.)

Some pics (which pictorially sort of shows how I came by my "experience").

2008 Cayman S declared a total loss. (Hit by an '89 Volvo. Driver lost control in the rain. Oh the Cayman S was just 4 weeks old.)

2003 Porsche 996 Turbo: Not a total loss. Hit a mule deer. $25,000+ to repair.

2020 Challenger Scat Pack: Not a total loss. Hit while parked in my assigned parking space. In fact -- believe it or not -- hit twice by the same driver two different nights. $8000+ to repair and I filed for and received a $2500 diminished value settlement for the car.

Oh, 996 Turbo on a Celette Bench...

[Westside Guy]

RockCrusher, remind me to never park near you.

By the way, I have always insisted on selecting my own body shop and used OEM parts for body work. The insurance company merely sent their appraiser to my shop to approve the estimate.

[tturedraider]

Originally Posted by M-technik-3

Hope everyone is fine that was in the incident. I would say based on the mileage and year and no airbag deployment, No but as mentioned structural damage will total it in a heart beat.

The airbags should have deployed for this type of accident. This is the type they are protect the occupant from these days.

I disagree. There was a mostly glancing side impact, not nearly enough frontal impact or side impact to trigger the airbags.

[RockCrusher]

Originally Posted by Westside Guy

RockCrusher, remind me to never park near you.

By the way, I have always insisted on selecting my own body shop and used OEM parts for body work. The insurance company merely sent their appraiser to my shop to approve the estimate.

Don't stop next to me at a stop light.

My Boxster was hit from behind by a driver who when engrossed in her phone caught sight of the left hand turn traffic moving and thought it time to go and started up and ran into the back of my Boxster. The impact shoved my Boxster into the back of the vehicle ahead. Both ends of my car were damaged. (Front/rear bumper covers, headlight and a tail light.)

Time passed. Was in the Boxster stopped at a light. Light changed and I moved off just a car length or two when the guy behind me pulled away from a stop and ran into the back of my car. Was on his cell phone. (I had seen him on his phone in my car's rear view mirror.)

He was in his MIL's car because his pick up was in the shop getting fixed. Had had an accident with it. Pleaded with me not to file a claim against his insurance. Said he'd reimburse me after I fixed the car out of my pocket. Yeah, right.

After my experiences I couldn't be any more afraid if instead if the driver in the vehicle behind me (or any side for that matter) was holding a gun instead of a cell phone.

[zx10guy]

Originally Posted by Westside Guy

RockCrusher, remind me to never park near you.

By the way, I have always insisted on selecting my own body shop and used OEM parts for body work. The insurance company merely sent their appraiser to my shop to approve the estimate.

I have a close relationship with a body shop which is not only in my insurance company's preferred list of body shops, they also know how to work within the system.

Case in point. When I had my 1'er in for body work due to hitting a rat with antlers, I told them I want to have OE parts used for the repair. The estimator said no problem. But they have to work within the system to get to the point where using OE parts was justified. So they ordered used parts, which they showed via pictures just wouldn't work due to something being off. They also ordered an aftermarket part and again showed through pictures that the fitment didn't meet OE standards. After supplying all the proof, my insurance company authorized the use of new OE parts. All of this was done without a need for an insurance claims adjustor to visit the shop to do a visual inspection because my shop is a trusted shop for my insurance company.

With the above said, my shop couldn't get an OE condensor coil. Said the insurance company wouldn't authorize an OE one. I was fine with that.