It will be interesting to see what transpires with Geico. Lucky for me I am a lawyer and one of my partners is familiar with this area of law. I am also a business owner so i don't take off days from work due to weather unless I send all my employees home. I was following other cars and just guessed wrong. I feel bad that it happened, but as long as Geico does the right thing it will work out.
If they somehow repair and it runs fine, then I can easily hold on for four years, get an extended warranty and enjoy the car. By then it won't matter as much what is on the carfax, it won't be worth much anyway.
If they don't fix, I'll look for another M3 or similar car though I think I am going to go coupe this time.
Will report in as soon as I hear from Geico.