The contact owned a 2021 BMW X3. The contact stated that while driving 25 MPH, the vehicle in front suddenly stopped, and the contact moved over to the left lane and into the grass due to incoming traffic. The vehicle was 50 to 100 feet from a tree, and the vehicle crashed. The contact stated that the braking system and Forward Collision Avoidance failed to operate as designed. The driver's left arm was fractured. Medical attention was provided. The driver’s arm was still in a cast. The vehicle was deemed a total loss by the bank. The driver test drove a 2024 and 2025 BMW X5, and the Forward Collision Avoidance feature failed to operate as needed. The vehicle was towed. There was smoke coming from the driver’s side front of the vehicle. The air bags deployed, and there was smoke coming from the air bags. BMW customer service was contacted, but no assistance was provided. The failure mileage was 74,000.