Appreciate all the input guys. BMWNA has come to bat, as I just got off the phone from a rep minutes ago. They are covering a tow and BMW diagnostic, as well as going to work on my insurance company to cover the claim. I was ready to write off BMW when I was told I would get a call in 1-3 DAYS after reporting the incident. Still a bit hesitant but the call today did renew a little faith in my beloved BMW brand.

lo jack: the last service inspection came I believe in October when I had new tires put on. It came up clean for any issues. I do my own oil changes and still had roughly 1,000 miles to go on this service. I do check my oil level regularly and have not been running low or even had a noticeable decrease in the oil level.