Got stuck in an ice storm on some RR tracks while getting my car free I chipped my rear lights then had to back out and it ripped my engin splash guard off and put a small rip in the front bumper took it in to get a price and it is $2346.88 for all new parts thank you for insurance. So I guess what I am trying to say is if you have a Audi and it's payed off keep the full coverage luckily I did and for once it payed of.