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The huge selling point is the glass coverage. They don't write much about it, but I had a X6 with MBI coverage and they covered factory OEM glass with only $50 deductible. On another BMW I have, I didn't purchase MBI, and they would only cover aftermarket glass and I had to pay my comprehensive $500 deductible.
This is in Washington State, you're YMMV in your state.
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