After calling USAA, I encountered two "paths"; if only the glass needs replacement, it's "go to the BMW dealer and get it replaced", If there is any "other" damage, it becomes "Meet the Adjuster".

I do have "other" damage. The bamboo trim below the glass at the top edge of the door panel is chipped and scratched from falling glass. One small scratch on the bamboo glove box cover, and one small but noticeable scratch on the radio grill and rubber dash cover below the rear view mirror.

The broken window had been covered with tinting film, and when the window was broken, a square of glass and window film (10x14 inches) was laying on the dash, the apparent source of the above mentioned damage to the dash and glove box trim.

Lack of experience with insurance adjusters prompts the questions. I can assume, the USAA Adjuster will question the damage to the dash and trim, and try to avoid replacement. From those who have been thru this route, what should I expect, and other digging in my heels, what is my best strategy?

Ciao,
Dick