BMWNA does not require that dealerships even have loaner cars. Its entirely up to the dealership. This insurance issue means they won't give you a loaner for any service either.
Since you never drove it off the lot, I assume you never signed any paperwork, which means you never took possession of the vehicle. Request your deposit back (if any) and walk away. Go to another (reputable) dealership closer to home. You can't be saving that much by going out of state.
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