2007-03-13 14:16:39 · 14 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
i know GEICO dosent
2007-03-13 15:08:41 · answer #1 · answered by Anonymous · 1⤊ 0⤋
It depends on many factors, including the age and present value of the car. Most insurance policies allow for after-market or used parts. If you have a 3 year old Chev, and someone caves in the door, there is no reason the insurance company can't use an undamaged door from a front or rear end damaged write-off. It puts you in the same position you were before. Insurance is not meant to be an improvement. An after market quarter panel on a 4 year old Dodge is no problem either. Now, you have an argument for new genuine parts if your car is new. Plus, new, used, or aftermarket, the parts do have to meet the standards of the vehicle or you do not have to accept the repair.
2007-03-13 17:48:19 · answer #2 · answered by Fred C 7 · 0⤊ 0⤋
I know that insurance companies can used old parts (like a car has been totalled, but the headlights are like brand new, they can use those headlights). Most of the time you wouldn't notice unless you asked. They just find the cheapest part to save money.
2007-03-13 14:20:38 · answer #3 · answered by tiff98444 3 · 0⤊ 0⤋
It depends on your policy and the age of your vehicle. I recently hit a deer with a 3.5 year old car and the insurance Company would not cover factory parts.
Older vehicles (> 7-8 years old) may notbe able ot get "new" parts from a dealer. They are not stocked indefinitely...
2007-03-13 14:23:55 · answer #4 · answered by Bill c 3 · 0⤊ 0⤋
No sometimes they try and get you to go to the cheap repair place so it's less money they have to spend.
Othertimes they'll get their people to give a rough estimate (usually very low) then they'll cut you a check, only for you to find out weeks later you're $1000 short of the actual cost, since they only gave you an estimate.
But you are entitled to choose the place of your choice to work on your car. Pick a place with a good reputation and that only uses the best quality parts. DON'T let the insurance company cut you a check, tell them you want them to pay the repair place directly.
2007-03-13 14:21:12 · answer #5 · answered by Jake 4 · 0⤊ 2⤋
No, even your own company does not have to use brand parts. Many use aftermarket or used parts. Many companies will use brand parts (OEM) if the vehicle is less than a year old.
2007-03-14 02:49:21 · answer #6 · answered by blb 5 · 1⤊ 0⤋
Depends on your insurancy policy and where you are. Where I am ... they only replace brand new parts if the car is less than a year old. With mine.. they cheaped out and used a very rusty axel to replace my nice oiled one that got crushed. Never trust them. Always check the work.. they will cheap out on you at every turn!
2007-03-13 14:25:52 · answer #7 · answered by senubenu 3 · 0⤊ 2⤋
NO. They have to replace the part with OE(original equipment) meaning that the part fits that car, and if they have to, they get it after market, It doesnt have to be brand name(ie GM, Ford, etc)
2007-03-13 14:20:55 · answer #8 · answered by Carlos 1 · 0⤊ 0⤋
no - and whether the other driver is at fault is not relevant. They just have to get you back to where you were before - functionally. Some autoinsurers require that any repairs paid by them be taken to body shops they actually own. So there you have it.
2007-03-13 14:19:51 · answer #9 · answered by Anonymous · 1⤊ 0⤋
talk to your insurance . they will make sure your car is fixed right. tell then the other person was at fault.
2007-03-13 14:26:52 · answer #10 · answered by tweed801 5 · 0⤊ 0⤋
No. You are confusing your best interest with the insurance company's best interest. They use substitute parts whenever they can.
2007-03-13 14:19:35 · answer #11 · answered by Rich Z 7 · 1⤊ 0⤋