if you go to a BMW dealership you won't get ripped off, their parts are all OEM and will just bill the insurance company for the price. you should be fine man. oh ya, and i wouldnt be suprised if it caused more damage than you think. I got hit from behind from someone going a lot slower and my car got totalled. Not saying this would happen to you, but just make sure you get EVERYTHING checked out so you dont have to suffer the burden afterward.