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I live in the North East and drive my 2014 GT 335xi in some very bad conditions over 50 miles a day- at times over a foot of snow to black ice - it has the same run flats it came with and I can tell you it out performs any suv I have seen - One example - a pickup truck coming toward me lost control on the ice - I was able to swerve out of the way without losing control - while the truck ended up off the road - as long as you remember brakes are not your friend when in a skid or the backend breaks loose the car is amazing and the weight distribution is perfect - it is better than the 2011 X3 I traded in.
Not sure what is up with your insurance - mine would replace totaled cars with the same model at no expense to owner
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