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SVTPerformance's Chain of Restaurants
Road Side Pub
Getting Insurance Company to pay for OEM parts?
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<blockquote data-quote="Torch10th" data-source="post: 15543752" data-attributes="member: 15703"><p>Not all insurance companies only cover aftermarket parts. Many want to go with aftermarket because they are cheaper.</p><p></p><p>The basic gist of the law in most places is that the car must be brought back to "pre-loss condition." If for instance an aftermarket part is so bad as to render that task an issue, the insurer would have to pay for the proper part.</p><p></p><p>Get on the horn with your claim representative and request only OEM parts. They may say no, but at that point you let them know that you'll be carefully inspecting the car and will not accept sub-par work. Do not accept the car from the shop until it's 100%.</p><p></p><p>As far as filing with your own insurance and impacting premium, it depends on your local state laws. Some states like here in Colorado where I am do not allow insurers to raise premiums for accidents where you are not at fault, regardless of who's insurance carrier you work with. There are states that don't have laws like this on their books, so you'd have to check your state's laws individually to see if you run that risk.</p></blockquote><p></p>
[QUOTE="Torch10th, post: 15543752, member: 15703"] Not all insurance companies only cover aftermarket parts. Many want to go with aftermarket because they are cheaper. The basic gist of the law in most places is that the car must be brought back to "pre-loss condition." If for instance an aftermarket part is so bad as to render that task an issue, the insurer would have to pay for the proper part. Get on the horn with your claim representative and request only OEM parts. They may say no, but at that point you let them know that you'll be carefully inspecting the car and will not accept sub-par work. Do not accept the car from the shop until it's 100%. As far as filing with your own insurance and impacting premium, it depends on your local state laws. Some states like here in Colorado where I am do not allow insurers to raise premiums for accidents where you are not at fault, regardless of who's insurance carrier you work with. There are states that don't have laws like this on their books, so you'd have to check your state's laws individually to see if you run that risk. [/QUOTE]
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SVTPerformance's Chain of Restaurants
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Getting Insurance Company to pay for OEM parts?
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