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They will attempt to sell lease wear and tear protection too. That one seems to be a pretty good deal unless you want to commit to leasing another BMW at the end -- it forgives just about any sort of bump/scratch and missing parts that are understandably lost during 3 years of ownership. I've been told if you lease another BMW they are willing to turn a blind eye to more issues, but if not it is way more peace of mind than paying out of pocket because the scratch is outside of the 1/4 inch template they have.
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