[GOLFFRR]

anytime I see any threads on here about insurance I try to make sure to post so people know.

When you are getting dialed in with your binder from your provider make sure you get in writing that any replacement parts (heaven forbid) will be brand new "OEM" parts from BMW. Most insurance companies will not want to pay for that but instead will offer their "certified" or "refurbished" parts. Keep in mind BMW does not recognize anything other then BMW OEM parts.

If you get in an accident and you have non OEM New BMW Parts installed you may have some issues with warranty claims. So be aware. I see it all the time.

There is a reason you are paying cut rates, this is one things you def want to make sure you get locked in with your insurance company so you wont have to worry down the road if anything were to arise.