I also put about 25k miles a year on my car, which are not all highway miles, but that's besides the point. I've experienced having to pay for things during an unexpected breakdown or not having a vehicle because a part failed on a Friday night which left me without a car to get to work the following Monday and Tuesday. So I really don't think of it in terms of fraud. Especially when a voltage regulator goes out and I'm being told that it is "built into" the alternator and the entire unit must be replaced as a whole, while I'm holding the failed regulator in my hand. Anyways, I have had some self-induced issues with my car however I do not believe this is one of them.

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1990 190E 3.0L