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I know a solution to DV on expensive cars.. Never buy one, rent it for 36 months and get a new one at the end.
Each of us has there own perspective in the own vs lease debate, but this thread is clearly the #1 reason leasing is a always the better option on cars like this. Someone hits my new M5.. I'll get it fixed and let BMW deal with it in 35 months. Not my problem. And correct me if I'm wrong, but I don't think the car can ever been certified by BMW if it's had body work/been painted.
NJ is a no fault state, meaning, that you have to submit any claim/damage on your car to your own insurance company, regardless of fault, and they will in turn subrograte against the neighbor's insurance co.
I will agree with others, though, that it's a beautiful car and will be again after the work is done. Good luck with it.
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