Thanks all for your input, I appreciate all of you guys trying to help me lessen the pain of this experience...i am aware of all the available help you can get on line making an educated decision, The compounding problem here is that it is an insurance claim, since i paid cash for the smashed vehicle i do not want to go buy another vehicle until insurance settles the claim and I have cash in my hand, which means my car rental will be done i will be down to one vehicle and have to laced or finalize a deal rather quickly...for now i have a Toyota Camry, not quite the BMW experience...LOL...not that i care as at least i have a car to travel around in...