Look at it this way: $1100 = one months payment on a low optioned X3. It's the hassle factor that is always the worst when these things happen.

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Kirk
Las Vegas
2016 X5 40e Mineral White/Black Dakota Leather, ZLL, ZCW, ZDA, ZDB, ZPP, multi contour seats, rear side window shades, HK stereo
2011 E90M3, 6-speed manual