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FYI, if you want the insurance to pay for the windshield at the BMW dealer, pay for it in full yourself then submit a claim and have the insurance reimburse you. They will have to reimburse you in full no matter the dollar amount.
Otherwise, if you submit a claim before repair, they will send you to a 3rd party repair shop or if you insist on going to the BMW dealer, the insurance will play hardball with the dealer and say they will only pay $xxx amount (probably half of what the dealer is asking) which the dealer will refuse and you will get nowhere for weeks.
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