2025 X5 Contaminated fuel issue

bohaiboy

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Hi all. Just purchased 2025 X5 SDrive with MSport package, Dealer delivered with a full tank of gas. Last week, on Monday, I topped off the gas when it was a little less than 1/2 a tank. Costco Premium unleaded. After driving less than 100 miles, the Drivetrain Malfunction indicator came on. Car running rough and light smoke from left exhaust. Towed to dealer (total miles on vehicle is 390). Dealer ran diagnostics and thought it to be a fuel injector issue. Now, they are saying it is contaminated gasoline and that the repairs will be outside the warranty. They want $10,600 to replace the entire fuel injection system.

Filed a claim with Progressive insurance under the comprehensive portion of the policy. Next week, Progressive will send someone out to test the fuel as the dealer said it had a "slick" feel to the gasoline they sampled. Progressive, in the state of Texas at least, has a person that is in charge of claims for contaminated fluids. She was questioning how we drove it 100 miles before an issue occurred. She said most contaminated fuel issues will occur very shortly after leaving the station. Said it sounded mechanical to her.

Is the dealership attempting to pull the wool over my eyes as they don't want a warranty repair that expensive? I wonder if some sort of fuel injection flush would help before spending that money? Would the entire system need replacing as the BMW dealer advises? But most importantly, what if the insurance company tells the dealership that the fuel is not contaminated, what are my options? It seems if that is the case, then IT IS a mechanical issue and it should fall back on warranty repair, but how to prove that? TIA for the add to the group.
 


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