I would have the insurance take care of it. It was an act of God, you did not plan for the snow, so it should not go against you on your insurance. It should be part of your comprehensive part of the insurance. I can understande if you were driving like a maniac, but this weather related.
'09 E92 ///M3 Interlagos Blue, 6MT
, Silver Novillo Leather, CF Trim, Premium Package, Technology Package, Cold Weather Package, Premium Sound, 19" Wheels, Moonroof-Toy/ '11 E90 328i
Black Saphire Metallic, Premium Package, Technology Package - Daily Driver '02 Nissan Xterra- Daily Driver/ '04 Yamaha R1
-Toy/ '06 Yamaha Raptor 350