If it was me I would of told them to keep the X5 and locate me another one in equal or grater condition with the same options and same or less miles. I know in PA if the insurance deems your car totaled you have the right to have them replace the car if you are not happy with there buy off.. It's a fine print but its law in pa. Good luck with what happens but like I said, I would shoot for the dealer to find you another 4.8is and even up trade you.

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88 - E30 M3 2.3 ( Sold )
90 - E30 M3 2.5 Evo sport. ( Locked away )
91 - E30 M3 2.3 ( Sold )
91 - E30 318is ( Sold )
91 - E30 325is/S52-obd1 ( Sold )
97 - E38 740i. ( Beater )
02 - E53 4.4 ( Current toy )