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This is a tough decision as windshield and bumper damage is covered under insurance, tears under warranty and use of winter tires reduces tire wear. Only dents (quarter or smaller) and scratches (shorter than credit card) can be claimed with the plan, but you can have them repaired for less with a BMW shop. So there are significant limits. You do have a free pre-return done and can negotiate with them in questionable damage.
I waived the coverage to take my chances and in most cases, I might need to add less than $500.
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SLAM
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