How to Request Original Parts for Your Vehicle Repair
Recently, my car faced an unfortunate incident — all four of its wheels were stolen, and the vehicle itself sustained some additional damage. The undercarriage was bent, and a few other components were also affected. When my insurance company, Progressive, provided an estimate for the repairs, I noticed that they planned to use remanufactured parts for the wheels. This decision didn’t sit well with me, especially considering that my car had clocked just 6,500 miles and my alloy wheels were practically in pristine condition.
For those in a similar situation, you might wonder if it’s possible to insist on brand-new, original parts instead. Here’s how you can go about making such a request:
1. Review Your Insurance Policy
Start by thoroughly reviewing your insurance policy. Understanding the terms of your coverage is crucial, as some policies specify the use of aftermarket or remanufactured parts for repairs unless otherwise noted. Knowing the details of your coverage can give you a stronger footing when asserting your preferences.
2. Communicate with Your Insurance Agent
Engage in a detailed discussion with your insurance representative. Express your concerns and explain why you believe original parts are necessary. Given that your car has minimal mileage and the original wheels were in excellent condition, provide these points as reasons why new parts are justified.
3. Gather Supporting Evidence
Sometimes, presenting a strong case requires evidence. Collect any documentation or photos that showcase the pre-incident condition of your car. This can bolster your request by highlighting that the original wheels were nearly new, thus justifying the need for replacement with equivalent quality parts.
4. Obtain a Second Opinion
Consider getting a second opinion from an independent auto shop. Their assessment can offer additional leverage by confirming that new parts would be the most appropriate choice for preserving the integrity and value of your vehicle.
5. Persist in Your Request
Don’t hesitate to be persistent. If your agent is not immediately accommodating, escalations might be necessary. Request to speak with a manager or another decision-maker within the insurance company who can review your case with more flexibility.
Conclusion
While it’s common for insurers to recommend remanufactured parts, especially for older vehicles, in cases where significant investment has been made in preserving the car’s condition, requesting original components is justified. Remember to be clear and communicative, providing all necessary information to support your case. Ultimately, your goal is to
When dealing with an insurance claim where the insurer is offering remanufactured parts instead of original parts, it’s important to approach the situation with both knowledge and a clear strategy. Here are steps you can take to request original parts:
Review Your Insurance Policy: Start by thoroughly reviewing your insurance policy to understand your coverage regarding parts replacement. Some policies specify the use of aftermarket or remanufactured parts, while others stipulate original equipment manufacturer (OEM) parts. Understanding the terms of your policy can form the basis of your negotiation.
Gather Documentation: Compile all relevant documents. This should include your insurance policy, the original purchase invoice of your vehicle (if available and relevant), and any documentation that verifies the low mileage and excellent condition of your vehicle prior to the theft and damage. Having these documents will strengthen your case.
Contact Your Insurance Adjuster: Reach out to your insurance adjuster with a formal request for OEM parts. Explain your situation, emphasizing the low mileage of your vehicle and its excellent pre-damage condition. Clearly articulate that remanufactured parts would not restore your vehicle to its previous state.
Provide Evidence of Value Impact: To bolster your request, present evidence that the use of remanufactured parts could decrease the resale value of your car. This can include data from automotive valuation guides or written statements from trusted dealerships or auto specialists.
Get an Independent Estimate: Consider seeking an independent repair estimate from a trusted body shop. Ask them to price the repair using OEM parts. This can provide a reference point to discuss with your insurer and demonstrate that original parts are necessary for restoring your vehicle to its original condition.
Negotiate and Appeal: If your initial request is denied, don’t be discouraged. Politely insist on your preference and, if necessary, ask to speak to a higher-up or file an appeal. Insurance companies have an appeals process, and persistence can often lead to better outcomes.
Be Prepared to Cover the Difference: Understand that in some cases, even after negotiating, you might have to cover the cost difference between remanufactured and OEM parts. Decide beforehand if this is something you would be willing to do for peace of mind and to maintain your car’s value.
Consider Legal Counsel: If all else fails and you believe the insurance company is not honoring the terms of your coverage, seeking advice from an attorney who specializes in