Sadly, your car is a total loss. If the shippers and insurance company say it isn't - your new job is to argue and amass documentation that it is. Computers, harness, interior all have to be replaced. Price those parts yourself - and you will easily see how the car is a total loss.

You do not want this car back... Do not take possession of it. Once its in your hands, you'll lose leverage. Stall the efforts to repair the car. Cite mold and health issues and make them aware that they will be on the receiving end of a lawsuit when your health becomes an issue.

 

I chimed in with a push to make sure to get the car totalled. I would look for the provisions in the insurance that would constitute a total loss. If there are specific exclusions or limitations for water damage, you are probably trying to paddle up a creek.
Larry had the other view and I might support that as well if your insurance has exclusions or limitations - get what you can from them and dump the car as soon as it is repaired. This way at least gives you some chance to salvage value from the mods potentially- if you have the stock parts. At least your wheels. If you trade the car and a dealer reduces the value below book due to the prior damage, there is a chance that the insurance company will cover you for dimunition in value due to the damage. Many companies cover for this loss in value now. Sad as it is, I second many other comments in that you don't want this car anymore.

 

Whereabouts is the car at the moment and who is the UK agent?

 

To determine if a car is totalled, the insurance companies use a simple formula: 55-75% of the cars FMV is the cost of repair. The % range depends on the situation and on the insurance company and on the type of car. It will be very difficult to show that the repairs from this incident will be greater than 50% of the cars FMV, but I sure hope that is the conclusion for you as this car is worthless to you.

Furthermore, all the posters here who say "Don't take the car back, it's unacceptable and blah blah blah" - those are all emotional arguments. This is a numbers game. If the repairs don't exceed that %, you're done and an attorney would also be a further waste of your time and money because the insurance company has a team of highly paid attorneys waiting for these type of situations.

 

Very sad.... I thought cars like this usually get totaled. If not, I would fix and trade the car in ASAP as suggested. There should be some means to compensate you for lost value. I assume that the extensive electrical repairs will show up on subsequent carfax type reports and this car will have the same stigma as a salvage title. After years of looking through this and M3 forum... I have never heard of anyone getting a car with this type of damage whole again! Sorry and good luck.