I always wonder if luxury cars get flagged differently? I mean, is there some secret threshold where they start caring more?
That’s a fair point—luxury vehicles do seem to attract more scrutiny, both from adjusters and insurers. I’ve noticed that even minor incidents involving high-end cars can trigger more paperwork or closer inspections, maybe because repair costs are so unpredictable. Out of curiosity, has anyone here actually seen a claim denied just because there wasn’t visible damage? Or does it usually come down to the owner’s word against yours?
I get where you're coming from, but I’m not totally convinced it’s just about the car being fancy. My cousin had a regular sedan and still had to jump through hoops over a tiny scratch that wasn’t even visible unless you squinted. Sometimes it feels like it’s more about the mood of the adjuster or how persistent the other driver is. I wouldn’t assume luxury cars are always treated differently, but yeah, the repair costs probably make them more cautious.
Sometimes it feels like it’s more about the mood of the adjuster or how persistent the other driver is.
Definitely seen that play out. Once had a guy call in about a shopping cart ding—barely a mark—and the adjuster treated it like a full-on collision. Meanwhile, my neighbor’s fender bender with a BMW was shrugged off because the other driver just didn’t care. It’s wild how much the human factor comes into play... not just the car’s badge.
It’s wild how much the human factor comes into play... not just the car’s badge.
I get what you’re saying, but I’m not totally convinced it’s all down to mood or who’s involved. Had a minor scrape in a parking lot once—no visible damage, but I reported it anyway. The adjuster barely blinked, just filed it away. Maybe I got lucky, or maybe sometimes the process really is as by-the-book as they claim. Hard to say if it’s always so random, though it sure feels that way when you hear stories like yours.
It’s funny, I’ve seen both sides—sometimes the adjuster is super thorough, other times it’s just a quick check and done. I wonder if it depends on the company, or even the region? There’s definitely a human element, but I do think some folks just get lucky with how things play out. Ever notice how two nearly identical claims can go totally differently?
