State farm…
 

Does anyone know if there normal full coverage covers…fiancé hit a big rock or some shit on 635/montfort and fucked up the oil pan on her 335i. She said she called but I wanna make sure they aren't bullshitting her.

Everyones policy is different. But yes it does sound like something they would cover.
Once you set up a claim an adjuster will write an estimate on the damage, you pay your deductible and statefarm will pay the rest.

Could be either way, my grandparents hit a piece of steel they couldn't avoid and it took out the oil pan and transmission pan among other things on a almost new Cadillac and the insurance didn't cover it. I was younger and I don't remember the reasoning. Luckily the dealership they always bought from helped them out.

It should be covered under Comperhensive Coverage.

Keeping my fingers crossed, the oil pan is like 700$ and the trans pan is like 500$....