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It is all very real right now. I tell most of my customers looking for a 2-year-old BMW to just buy a new one—it's cheaper! I've even saved some friends/customers thousands when I had a BMW retired loaner available, but that's harder today with nothing with which to replace a retired loaner. But then our dealer group does not allow selling over MSRP. It's just a thing they do. I'm sure you can find others who operate with that same ethic.
But, more importantly, be sure your insurance company is paying your loss based on the most current values. We lost my wife's 128i in an accident and managed to get the insurance to pay almost $4,000 over their original offer by using their own facts against them. We ended up getting more for the 128i than we paid for it over four-years ago. Of course we never found a replacement and she had to settle for a one-owner E90 with fewer miles.
And the curiosity in me wants to know if your daughter had left the key in her unlocked Audi? Or what happened to be able to gain access and drive away?
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