by dwinters1 » Tue Aug 17, 2010 03:55 pm
After hitting a deer, the adjuster tells me that the insurance company can put on after market parts on my 11 yr old car I can't find anywhere in my policy information about what they can and cannot do. Where can I find this information?
Posted: Tue Aug 17, 2010 06:18 pm Post Subject:
Your policy will state something like, "we will pay for repairs..." Its very general for a reason. The other part is that the state acknowledges that AM parts are 'like, kind and quality" of what was on the vehicle. As such, the insurance company is repairing the vehicle and parts that are similar to what was on the vehicle.
Some policies (USAA, Allstate, etc) used to state that they would return the vehicle to it's pre-accident condition. They were sued for using AM parts and changed the wording of their polices.
Consider this... you are getting a brand new part... for a part that was 11 years old.
Posted: Tue Aug 17, 2010 10:08 pm Post Subject:
Start in the section that addresses comp coverage, might say, 'auto physcial damage'. Then it will likely be be under a heading like, "how losses are settled" or "how settled claims are paid under coverages F and G"...also check the front of your policy DEFINITIONS, then look for 'replacement parts', here is the definition in my policy for "replacement parts means new or previoiusly used parts made by any manufacturer irrespective of whether that manufacturer made the original part or vehicle"
I'm with T though, really your upset about a/m parts on an 11 year old vehicle? Course we don't know what kind of 11yr car it is I guess...
Did your body shop have any objections? Are they CAPA certified parts?
Posted: Tue Aug 17, 2010 10:49 pm Post Subject:
IT's a Chrysler 300M, has18,000mi, always been garaged. Absolutly no dents or damage and yes, since I've payed top price for comprehensive coverage since day one and insurance hasn't decreased, I expect OEM parts.
Posted: Tue Aug 17, 2010 11:16 pm Post Subject:
Unless you live in Minn. that's not likely to happen (may be one other state can't remember for sure but do KNOW MN policys require consent for non-oem parts)...Read your policy, they have the option. I understand your vehicle only has 18k (really? don't drive it hardly at all do you?)..but the fact of the matter is this is what your policy says, and what you have paid for this eleven years. You can pay the difference yourself of course for new oem parts.
What are the parts specifically? and are they CAPA certified? What does your shop say?
Add your comment