Don't know how it works in Florida, but in NY the damage has to exceed 75% of the car's value. Your car is 3 MYs old - what's it worth? I quick search shows that your car is selling in the mid $40's. So, your damage has to be around $30K for a total. But that's NY.

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2006 525 xi, Orient Blue Metallic, Beige leather, Dark Poplar trim, Premium Package, Cold Weather Package

2012 Z4 35i, ED 2/24/12, Melbourne Red Metallic, Black leather, 6 MT, ///M Sport, Premium Package, Premium Sound Package, Cold Weather Package, Nav, Comfort Access, Alpine HID Angel Eyes, BMWPedals pedal covers, stubby antenna, Extra Enjoyment Package