I never knew there was a grading system for OEM parts but that does make sense.

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PostPosted: Wed Mar 11, 2009 3:14 pm   Post subject:   

I never knew there was a grading system for OEM parts but that does make sense. The only thing I can not understand in the whole OEM parts debate is why it is made such a big deal. I look at it like this: OEM parts would keep the bill down thus saving on the costs of repairs and hike in insurance (if you were at fault) and it also makes use of good quality parts instead of leaving them lay around and waste. It makes use of these parts and cleans up some of the earth (for all those greener people).

Look at the money the one poster saved by getting OEM parts, having the garage paint them and the poster put them back on the vehicle themselves. That seemed to woprk out pretty well and would be what i would have done.

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PostPosted: Wed Mar 11, 2009 3:24 pm   Post subject:   

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I am assuming Super your policy is not so endorsed correct? (which really for the age of your vehicle I wouldn't either)...If you do have this endorsement...you need to tell the adjuster this(lori side note...I wish ALL STATES and ALL CARRIERS WERE REQUIRED TO OFFER THIS! )




In a scenario where I carry the special endorsement waiver on my vehicle but was not at fault, and the at fault driver owes for my damages, would you as an appraiser for the at fault party, offer a settlement based on the use of a/m parts or oem parts as my policy provides for? Since I am not bound by terms and conditions of a contract of insurance in which I am not a party to, would you be liable for what my insurer would have had to pay if I had filed the claim first party?


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PostPosted: Wed Mar 11, 2009 3:30 pm   Post subject:   

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In a scenario where I carry the special endorsement waiver on my vehicle but was not at fault, and the at fault driver owes for my damages, would you as an appraiser for the at fault party, offer a settlement based on the use of a/m parts or oem parts as my policy provides for?
If "I" were given a choice (and I'm betting there are laws on the books in these states addressing this)...no if a claimant was endorsed on their policy for new oem parts then that is what I would use as the claimant carrier...now if there were no laws on the books and my carrier insisted otherwise, i would counsil the vehicle owner to have his vehicle repaired under his collision coverage, and I would front the deductible, and his carrier would then (of course) subrogate the remainder...
Quote:
Since I am not bound by terms and conditions of a contract of insurance in which I am not a party to, would you be liable for what my insurer would have had to pay if I had filed the claim first party?
Again, the states that offer this likely have something on the books addressing this...I (personally) would say yes, because if I don't then then they will use their collision coverage, and i (as the claimant carrier) would be paying it anyway...


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PostPosted: Wed Mar 11, 2009 3:40 pm   Post subject:   

What if the carrier was one that did not use a/m parts such as State Farm (unless they have recently changed policy) Would you offer the same advice? Front the deductible and let first party subrogate?



Fred, isnt NIQ or not insurance quality an oxymoron? The ones that have been designated IQ often come with 15 mils of paint from three refinish jobs previous bondo work primed and painted over. Unless we as the experts examine these parts before delivery, there is no way to designate them "PLEP" pre-loss equivalent parts.



I will admit, some recyclers are good enough to take pictures and look for previous work if I insist that they will be hauling them back if they do not meet my requirements regarding quality. In describing some of the quality parts to other shops, the local guys often say these are insurance quality but Mike probably wouldn't purchase them.



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PostPosted: Wed Mar 11, 2009 3:49 pm   Post subject:   

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What if the carrier was one that did not use a/m parts such as State Farm (unless they have recently changed policy) Would you offer the same advice? Front the deductible and let first party subrogate?
yes, 'if' (and only 'if' because it wouldn't matter otherwise) their endorsement also said used parts and used parts were available...but if none, then no there wouldn't be a need. It would be the same outcome either way..



The shops I routinely deal with have no trouble at all holding the driver till the part is inspected and then throwing that puppy back on the truck...and any estimate I write in ANY shop (job changed many more shops now)...If I source a used part I tell the shop owner/manager who ever my contact is...''if this part comes in crap I want y ou to call me immediately (preferrably while the truck is still there) if i'm in the area I'll be there in five minutes...if not within 24 hours to look at the part, if it is crap...you can bet your butt that the guy that sourced it to me will get a call...that he is NOT happy to get....I don't know what other adjusters do...but 'mama don't play that crap' you tell me that's an ins. quality (a) part, then that damn well better be what comes in...now...do very large ins. carriers have more pull at these yards than 'one' body shop? sure they do...I have only twice in the past say ten years....not had a situation with a bad part handled immediately....


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PostPosted: Wed Mar 11, 2009 3:59 pm   Post subject:   

In your scenario, you the insurer sourced the part. If a repair shop chooses to use the insurer repair estimate instead of their own repair plan and estimate based on their expertise and to use the part you sourced, does the insurer carry any liability in the performance of that part or are you merely writing an appraisal on which to indemnify the policy holder or making an offer for settlement for damages to a third party and you carry no liability for the use of the parts you sourced? The shop that performed the repairs can not claim later if the part fails, we used the parts a third party insurer specified or those parts that your insurer based their amount of loss on?



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PostPosted: Thu Mar 12, 2009 11:32 am   Post subject:   

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In your scenario, you the insurer sourced the part.
No in my scenario I was the adjuster writing the estimate and working for the company that is ultimately paying for it..regardless of 1st or 3rd party...
Quote:
If a repair shop chooses to use the insurer repair estimate instead of their own repair plan and estimate based on their expertise and to use the part you sourced, does the insurer carry any liability in the performance of that part or are you merely writing an appraisal on which to indemnify the policy holder or making an offer for settlement for damages to a third party and you carry no liability for the use of the parts you sourced
Of course all I can speak to specifically is the company I work for...Let's make it completely third party (knowing 1st party would of course follow ok?)



Here the deal...I write an est at a shop (let's say non-drp) Billy Bob's body shop and I source a used door from Joe Blows Junk yard...Billy repairs the car using that door..he has no issues and therefore brings none to my attention...the car is delivered and two months down the road the regulator motor goes out. (don't EVEN get me started in why the company I work for doesn't allow those to be switched out I've fought that fight for ten years Rolling Eyes )...Customer either calls me or Billy does, some how I'm made aware...I go to the shop sure as shootin' the reg. motor has gone out....I tell Billy, 'Put a new regulator motor in the door, here's the money'.. (will the yard kick some of the money back...no...should they IMO no, will someone above me think I should try? maybe, never heard that one yet Rolling Eyes from higher ups, but I'd likely laugh) same of course with an ins....similar situation only this time I go to Mr. Claimants home write the estimate, same thing tell him take estimate to the shop of your choice and have them call me with any questions PRIOR to beginning work...I would also ask the owners to let me know what shop and when they are dropping so i can check in on the repair from time to time.. So this guy calls me two months out same thing...I go to shop determine they got door from some where OTHER than where I sourced it...sorry can't help ya...they got it from where I sourced it..ok same thing....put a new regulator motor in it...here's the money..





Quote:
The shop that performed the repairs can not claim later if the part fails, we used the parts a third party insurer specified or those parts that your insurer based their amount of loss on?






So I guess to answer your question...yes they can! and I don't see why they couldn't...



fyi, the above (3 or 4) scenrios have ALL happened...and more! Smile


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