insurance guy came out and did an appraisal today... and i already have a check in hand.
taking it to one of bmw's specialized body shops here to get an appraisal from them on monday.
State farm is rocking my socks so far, car got backed into yesterday, rental car w/in an hour (gas and rental paid for), check in hand today.
i'll see what the body shop says on monday, and figure out if the insurance appraisal was in line!