It's incredible that they can't total out a car that looks like that. Is the car at a BMW dealer? It needs to go to a BMW dealer and you need to tell them to write up a very thorough estimate using only BMW OEM parts. I had a 335xi which was flooded up to the sidemarkers but looked much less damaged than yours and it had over $30k in damage no problem. Totaled right away.
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Current garage: 2023 Rivian R1S Adventure Forest Green/Ocean Coast, 2018 Porsche 911 T Carrara White Metallic/Black, 2019 Ram 2500 Big Horn Diamond Black/Diesel Gray
Archived: 2019 BMW X5 50i M Sport Mineral White/Full Black,2019 Ford GT350 Ford Performance Blue/Dark Slate, 2012 BMW X5 50i Alpine White/Black, 2014 BMW 320i M Sport Melbourne Red/Black, 2009 BMW DINAN3 Alpine White/Black, 2008 BMW 335xi Alpine White/Black, 1998 BMW 328is Avus Blue/Tan
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