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Sorry to hear that. This is one of the reasons I lease. When mine was repaired and should have been totaled I lost out big time when I tried to sell it later. In California insurance companies don't have to pay diminished value. If I had been leasing BMW would have to deal with the diminished value. I hope they total it, but mine looked similar to that and they fixed it. State Farm will only total it if cost to repair exceeds 80% of the value. Good luck. In any event at least it's only 4 months.
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