Originally Posted by ChasVS
The adjuster can't determine what is wrong just by looking at it. Refuse to accept anything from the insurance until you've had a BMW Service Center inspect the car for damages!
I spoke to the adjuster and the SA about this and, he said that when the techs take the car apart, the techs will look at the car and inform the adjuster if anything else is broken. The insurance company will then change the quote accordingly.