Interesting point about adjuster personality, but from experience, luxury cars do often trigger extra scrutiny—mostly due to higher repair costs. Might depend on region or insurer policies though...insurance isn't exactly one-size-fits-all.
Luxury cars might draw extra attention, sure, but honestly, I've had some pretty intense scrutiny even with my trusty old Toyota Corolla. Once, after a minor fender-bender, the adjuster grilled me like I was hiding a stolen Picasso in the trunk... and trust me, my car is about as luxurious as a pair of worn-out sneakers.
I think it really boils down more to the insurer's internal policies or even just the luck of the draw with adjusters. Some are chill and just want to get things sorted quickly, others act like Sherlock Holmes on a caffeine binge. Plus, regional quirks definitely matter—what flies under the radar in one state can trigger alarm bells in another.
Not saying luxury cars don't get extra eyeballs—they do—but from personal experience, even budget rides aren't immune from insurance drama. Guess insurance companies are equal-opportunity skeptics...
Interesting take, but honestly, from what I've seen, luxury cars do tend to get a bit more scrutiny overall. Not saying your Corolla didn't get the Sherlock Holmes treatment (sounds rough, btw), but insurers often have internal red flags for pricier vehicles. Think about it—repair costs for a BMW or Audi can skyrocket even with minor damage, so adjusters might naturally be a bit more cautious or thorough.
That said, you're totally right about regional quirks. I had a client move from Florida to Massachusetts, and suddenly their perfectly normal claim history raised eyebrows like they'd been running a demolition derby. Same driver, same car, totally different reactions from adjusters.
Still, I wouldn't dismiss the luxury factor entirely. It's not just about suspicion—it's also about the higher stakes involved. But yeah, at the end of the day, adjusters are human too, and some just seem to enjoy playing detective more than others...
That's a fair point about luxury cars, but do you think it's more about the brand or just the repair costs themselves? I've heard adjusters sometimes flag certain models regardless of price because they're known for expensive or complicated repairs. Like, would a Tesla Model 3 get more scrutiny than a similarly priced Lexus sedan just because electric repairs can be trickier? Curious if anyone's noticed differences based purely on repair complexity rather than just luxury status...
Yeah, you're spot-on about repair complexity playing a big role. I've had adjusters tell me straight-up that certain cars—especially electrics or hybrids—get flagged quicker because even minor damage can mean specialized parts or labor. My buddy's Model 3 got rear-ended, looked like nothing major, but the bill was nuts because of sensors and battery checks. Meanwhile, my Acura had similar damage and repairs were straightforward (and cheaper). So yeah, complexity definitely matters as much as brand prestige...maybe even more.
