Had a similar scare with my Audi RS7 last year. Thought I was covered pretty well, but after a minor fender-bender, the insurance company started nitpicking every little detail—paint matching, OEM parts vs aftermarket... it got messy fast. Made me wonder if paying extra for premium coverage is always worth it, or if it's just marketing hype. Still leaning toward better safe than sorry, but man, insurance can feel like gambling sometimes.
Had something similar happen with my Honda Civic—not exactly an RS7, I know, but still frustrating. Thought comprehensive meant hassle-free repairs, but turns out insurance companies really scrutinize every detail. Learned quickly to always clarify OEM vs aftermarket coverage upfront... saves headaches later.
Haha, man, insurance companies really do have a knack for turning simple things into a full-blown detective investigation, don't they? Had a similar experience myself—not with a Civic or an RS7 (I wish), but with my trusty Subaru Outback. Thought I was covered for everything under the sun until a deer decided to test my reflexes on a late-night road trip. You'd think comprehensive coverage would mean "comprehensively covered," right?
Turns out, nope. They started asking if the headlights were original, if the bumper had been replaced before, even wanted proof of regular maintenance. Like, seriously? Did they think I was secretly running an underground Subaru chop shop or something?
But yeah, OEM vs aftermarket is definitely one of those sneaky details you don't realize matters until it bites you. I remember the mechanic casually mentioning aftermarket parts and me nodding along cluelessly—only to find out later that insurance would only cover aftermarket replacements unless explicitly stated otherwise. Lesson learned the hard way.
Speaking of no-fault states though... does anyone else find that term super misleading? Like, "no-fault" sounds like everything's chill and easygoing, but in reality, it's more like "everyone's fault equally." Or maybe that's just me being salty after dealing with endless paperwork and phone calls.
Anyway, glad you figured it out now rather than later. Insurance fine print is truly the gift that keeps on giving... headaches mostly.
Yeah, the whole "no-fault" thing is definitely misleading. When I first moved to a no-fault state, I thought it meant less hassle—boy, was I wrong. Had a minor fender-bender and suddenly felt like I was on trial for murder. And don't even get me started on aftermarket parts... learned quickly that insurance companies love saving pennies wherever they can. Guess it's all part of the joy of car ownership, huh?
Totally feel your pain on that one. When I got my first luxury car, I figured the premium insurance meant premium service—wrong again. Had a small scrape in a parking lot and suddenly they're grilling me like I'm pulling an insurance scam. And aftermarket parts? Forget it... had to fight tooth and nail just to get OEM replacements. Guess owning a nice car doesn't exempt you from insurance headaches after all, huh?
