Wanted to share a discovery as I have not read about this on here as of yet. Looks like AAA has launched a Wheel and Tire Protection program of its own. For those of us who have low profile 20" rims, driving in NY, this might be worthwhile. My key takeaways from the program which makes it superior to those offered by the F&I Departments:
Price: $1575+tax for 3 years on a 2019 M850i (includes cosmetic, curb rash, tire and wheel replacement, paintless dent repair, key fob replacement)
No limits on cost or occurrences, except for key fob replacement $5k
Easy claims process directly through the dealer - they pay the dealer over the phone with a credit card after they initiate the claim.
Transferable
AAA membership not required
Best yet: you can add it at any time, and are not restricted to the F&I “now or never” time constraint pressure.
It is a regional program, and I confirmed this information for the Northeast, particularly in New York.