I would be SHOCKED if your insurance does not 'total' your X5. If they try and insist on fixing it...I would fight like hell. Your car has substantial damage.

6 years ago, my X5 4.4i saved my life. We were hit by a pickup truck, travelling 50-55mph! The ambulance, police and tow truck drivers could not believe I walked away! It was the morning of my 30th B'day. I firmly believe had it not have been for the BMW...I would have died!

At first the Insurance Co, tried to fix the X5 (damages were in excess of $40,000). I fought like crazy, and then the insurance Co. backed down and "totaled" the car!

When the Insurance Co. insisted on fixing the car, I told them I am having an attorney draw up legal documents that state in the event of an accident, and the repaired X5 does not protect vehicle occupants & someone gets hurt or killed due to the fact that the car's structural integrity was weakened due to being in a severe accident and repaired; that they are responsible and will pay accordingly. Within a day or two after I informed them of this...they decided the car was a total loss. It sucks you have to do this, but all insurance Co's are out to make money, and are never trying to help their customers. Sad, but true!

We replaced the 4.4i X5 with an Awesome 4.8is (to date the 4.8is X5 is probably one of, if not my favourite BMWs).