I have a 2010 X5 that is less than a year old. It's my first BMW. It is financed not leased.

I was rear-ended Feb. 1st. The other guy is 100% at fault and his insurance has accepted responsibility and will be paying for all related costs. Based on the speed he was traveling on a downward slope (his truck skidded as he was trying to stop at a changing light) and that I was stopped at the light, the damage sounds pretty major. I insisted it go to a BMW certified collision center for repairs and their final estimate is $15k since the rear frame is apparently damaged. Obviously my car is not totaled but the amount of damage at this stage of ownership is concerning to me even if they restore the car to new-like condition.

I am thinking I want to trade it in or something. This idea is not very popular with my SO (who technically owns the car btw) since he does not want to lose any of our own money on it and is not a fan of the car as it is. However, my parents and friends say they would do it mostly based on evidence of it being an "unlucky car".

So I'd like some unbiased opinions. Would you have the car repaired by BMW trained people and OEM parts and live with it or trade it? I'm also wondering if I can trade it in then lease - is that possible? Thanks.