Have you never used insurance??!?! You sound like you are 14 years old.

You file a claim with the insurance, then see what happens... there should be no mystery with paying or not paying...

Tell the insurance that the car is not drivable due to the cracks- it is a hazard- and you need a rental car- they will tell you one of two things:

1. We will pay BMW or
2. Go to shop XYZ and we will pay them to do it.

They will not just say "too much, we wont pay". If they come in under what BMW has quoted, demand that Farmers tells you which shop will accept their payment.


Anyway, when you called the 1-800 number, what did they say? And use punctuation and full sentences in the reply....