Accident replacement car – really free?

Hello I got a younger woman on the highway in the back before Christmas and next week the car will also come to BMW in the workshop. This took, among other things, so long because the opposing insurance has crossed the line because of the repair costs. However, the lawyer of my car house has solved the matter. I was offered a F30 320d as a replacement car and the whole should be completely free for me according to the dealer. Now I have a about already partially read that some accident victims still had to pay a considerable part themselves. So how is that now? The car is not absolutely necessary, because it is the last week before the semester vacation and if necessary I could also drive by train. I at least have no desire for a subsequent procession.