^ exactly. However, if you have purchased aftermarket coverage they have to. Or you go through your insurance and they'll go after theirs. I know Geico allows you to buy aftermarket coverage.
DD: 2003 530i 5spd manual sport package. Conti DWS's, Llumar ATR, White LED lighting. TLC on-going.
Garage queen: '07 335i Sedan, base pkg, 6spd Manual, Procede 3 V5 w/NLS, staggered 18" 313's w/Conti DWS's, HKS Exhaust, OS Giken TCD LSD, VAC Street Diff Cover, Akebono Euro Pads, CDV Removed, Black BMW Grilles, Interior & Exterior white LED lighting, LUX Angel Eyes, Debadged, Llumar ATR Tint.