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Originally Posted by doc_76544
that's right,
i got rear ended yesterday morning at a red light. the guy that hit was driving a rental BMW X3. he was driving at close to 40KM when he hit me and i was of course stopped for the red light. my whole rear end is now pushed to the right side by about an inch and my trunk lid no longer closes and my bumper is almost touching my right rear tire. i went to my insurance agent to inquire about the damage and how to go about getting it fixed and and he said there is a possibility that my baby might be totaled i am quite sad now 
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Sorry to hear about your M5
How old is your car ? what mileage & condition.
Is your insurance broker a quallified vehicle engineer ?
If not, his scaremongering opinions would appear to be not helping..
If the the floor has not deformed beyond the rear of the spare wheel recess , there is still hope.
Are the rear quarter panels badly damaged or have the shut gaps on the rear of the doors closed up to the edges of the doors ?
It could still be repaired if these areas are still intact.
When the assessor comes to see the vehicle, make sure you are there & discuss options with him. In the UK , If a vehicle is close to a technical writeoff due to parts & labour cost rather than a buckled floor etc but otherwise in top condition & you make it clear to him that if there is way to get it fixed, you could swing things in your favour.
All may not be lost.
Good luck
Farrell