[Torgus]

Just repaint. Cheaper than PPF. I can't imagine throwing 5-10k at a car to not improve it's performance just to have a thin coat of plastic all over it. If you can afford a nice bmw you can afford to have it cleaned regularly and take care of the paint like 99% of the people do with their cars on the road.

Cars exteriors are made of metal and plastic with the specific purpose of being painted and being repaintable.

Example: You get in a fender bender with a good scratch for instance on your front bumper. Not enough to replace, just need a fresh coat of paint. Now you have to remove the PPF, repaint, then buy new PPF and then reinstall the PPF. Likely having to go to another shop for the PPF work. More down time not having your car, more time you are paying for a rental, etc.

I am 90% sure most Insurance companies are not going to pay because you decided to put PPF on your bumper. Their job is to pay to get it back into like new condition. Like new is not body panels covered with a PPF aftermarket coating on it you added after you bought the car. Maybe if it was done when you bought the car and you explicitly told your insurance company that you added 5-50k of PPF and you want to be covered for the PPF. But then your monthly payment should go up as the insurance company is now insuring an asset with 5-10k added to it.