AutoTrader has six regular 2013 328i xDrives around 40k miles listed between $16,000 - $19,000. Adding the Luxury line would probably add at least $1,000. I’m guessing the car is going to be right on the line of being totaled. If you like having the Luxury line model I think I’d recommend pushing to fix it, unless there’s frame damage. On the other hand if they want to total it I’d push for at least $20,000 as a fair retail price.
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