One thing to do is you can negotiate with your insurance company on the value. You can look at some of my old posts. I had some one hit my rear quarter panel. Took 6 months to get repaired as there where NONE available in the world. Headquarters in Germany had a back order of 27 of them. Any way, I spoke with my insurance, noted that this was not a typical X5. Said to do search for comparable 03 Estoril 4.6is with piano black interior trim and factory tow hitch and my miles. They ended up covering repairs up to $12700. This was in 2013. Receipts, and research are your friend.

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2003 X5 4.6is Estoril Blue
2005 Infiniti G35X
1972 Datsun 240Z
1991 Isuzu Impulse XS Sold
1972 Fiat 850 Spyder Donated
1972 Datsun 240Z Sold
1972 Datsun 510 Sold