Yes, it downgrades very good cars! Beware when a claim is made as it will cost you down the line & dealers will jump on anything that swings money their way. If your adjuster is being "kind" they can help ease the pain by a padded estimate but there you go!!! another way that our insurance goes up. I suggest that anytime your car is damaged, especially in a small way &/or a claim is made, take pictures & save them. I used high rez pics to demonstrate my hail damage was minor on last car. I still had jerks on my ebay auction suggesting it was a bad car-even though it was listed in the auction. Information is either golden or dangerous,huh? Another "jewel" is when the other guy hits you & the LEO's write it up as a 50/50 accident-so they dont have to go to court, then the other guy , who has no insurance files against your policy and collects & THEN! your rates go up. We had 3 teens driving at one time & I had this happen several times & was never my sons fault but cost me dearly.