Hello, I bought a BMW 1er (model 2023) about 4 months ago. Unfortunately, a dent was caused with scratches on the driver’s door. The BMW workshop made me an estimate of around 3,500 € – I find it quite expensive for a dent! The car is still financed by the BMW Bank and I have a comprehensive insurance. In my contract documents it is not clear whether I can have such minor repairs carried out only at authorized repair shops. my question is: how could this high repair amount affect my insurance retention and damage-free class? And does anyone know what it looks like with the BMW warranty if I choose an unauthorized repair shop? Would that be my guarantee or other Some friends have also advised me to consider smart repair, as a good provider may be able to repair the damage much more cheaply. Does anyone have experience with it? And how exactly does the comprehensive insurance work in such cases – it is of course informed, just like BMW. Does such a repair have an impact on the resale value in 5 years? Thank you for all the tips and your appreciation Gen! I also added some photos.