Quote:
Originally Posted by MPR
I'd make your insurer aware of the issue and show them what the underside of the M240i looks like. Maybe the insurer will cover it but try to subrogate (get compensated for) from BMW NA due to the circumstances/negligence. It's probably a $35K+ claim, assuming you get a new motor.
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I had this same exact thing happen in a BMW loaner (rock>hole>bye bye engine). It was filed as a Comp claim but after the Adjuster went to the Dealer to evaluate the damage he changed it to Collision. It fucked my rate and lead to me leaving State Farm.