Your insurance company will cover what you owe to BMWNA. If your car is worth more than you owe, you get the difference which in this case sounds like $2,341.85. Unfortunately you wont get any money back from the down payment. You should never put more down for a car than you have to. Good Luck.
F30 335i Msport Estoril Blue/Black leather sport auto. black grills, Performance Exhaust, HK,
On order: F30 328i Alpine white/Coral red Msport 6MT, HK, Zenons, msport brakes, black grills and black side sills. mperformance exhaust