Once I had my car in the shop and they gave me a brand new Cadillac CTS loaner car. I knew the repair was going to be thousands of dollars and really didn’t want to spend any unnecessary funds so when they asked if I wanted insurance I declined. The next day I got paranoid and called them up and said I’d like to add the insurance. They were surprisingly cool about it, thought I’d have to bring the car in for a full inspection, nope. They just added it. I could have already damaged the car