[rich8566]

My BMW was rear ended while I was stationary at a red traffic light. There is heavy damage to the rear of the car. The bumper and the trunk are crunched up. The side roof structure has a wrinkle in it. I also have damage to the front end because I was pushed into the car ahead of me.

Thankfully no one was hurt and the BMW did what it was supposed to do which is to protect me. On impact I was pressed firmly back into my seat and headrest. While I was a bit stunned by the crash, and the airbags did not inflate, and I don't have a single ache or pain from the crash.

While I don't think the car is totaled, I do think that there will be a material amount of diminished value in the car on resale. Since I live in New York and NY is a diminished value state, I am seeking advice on how to proceed with my insurance claim.

Thoughts anyone?