its funny, you can push and push on these cars, day in, day out, every time the same way, the same speed...
and then one day, out of no where, that same pass youve taken 100x lets you down and before you know it youre squeeling tires to avoid the guard rail.
F.F. can be unpredictable at times, but thats why you got insurance.
btw, usually the insurance company will just cut you a check for new factory parts, (by law they OWE you NEW factory parts), and you can go and use that on aftermarket stuff.