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If you are leasing, it is part of the lease agreement that BMW covers.
For financing, I would definitely have it as part of my policy and I believe some states do require it.
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2020 G20 M340 xDrive - Portimao Blue - ZDA|ZPP|ZPX|1CR|1PE|6NW|6WD
2016 F10 535i xDrive - AW - Retired 
2011 E92 M3 - AW……………....ED April 29th, 2010 - Retired
2007 E92 335i -Space Gray.....ED Oct 19th, 2006 - Retired
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