NHTSA Complaint #11540663 — 2014 BMW X5

The owner owns a 2014 BMW x5 35d. Owner was driving 35 MPH at time of incident. Vehicle was working fine, no issues. All of a sudden, a drive train warning came up and the vehicle slowed down, stalled and shifted into neutral automatically. There was no warning or any indication prior to this, which is a bit scary. The owner was able to veer to into a parking lot. The vehicle failed to restart after several attempts. The vehicle was towed to an independent mechanic, where it was later towed to a BMW dealership for further testing. It was determined that the high-pressure fuel pump (HPFP) had failed and that the entire fuel system needed to be replaced due to the intrusion of metal fragments into the fuel system. The vehicle is still with the dealer after over two weeks. Currently, the owner has been charged a diagnostics fee. Costs to repair this issue are near $20k USD. Dealership advised owner that the vehicle NOT be repaired due to a high possibility of the engine having damage from metal fragments/debris. So now what?