Just to drag an old thread up.....
This has happened to my wife car as well!
Obviously she is of similar heritage to you MsAmy (Popeye for a father + Amazonian mother)....

The rep from BMW has looked at the car and determined that she must have punched it to cause the damage and has said "NO WARRANTY REPLACEMENT FOR YOU!!".
So, armed with the information in this thread, I have told my dealer to get back to the Rep and tell him - not acceptable - others have had replaced under warranty!
Gee, you would think someone who had bought 2 new minis (the second one being close to $60K) in under 2 years would be thought of as being a good customer wouldn't you!!!