A theft recovery with a blown engine is covered by insurance.

Could be considered a "total loss" on a +10 yr old vehicle (salvage title).

Dr Frankenstein can purchase dirt cheap, swap another wrecked/salvage title M62 motor (4.4?) in, and sell as a "rebuilt title".

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'03 X5 4.4 Sport, last of the M62s (8-03 build date)
I believe in deadication to craftmanship in a world of mediocrity!