I live in the DC area and have the tire and wheel insurance on my 135i. I've used it three times around here it's generally worth it, although I was less than happy with the hassle of dealing with the insurance company. All four wheels are slightly bent from random potholes, but they would not cover that. For some reason tire replacement for a nail in the tire was not covered the last time I brought it in. I might pass this time.
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