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Cars and Transportation
Reply to "Car insurance claim - who sets the estimate?"
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[quote=Anonymous]I was hit by a guy driving a company car. His insurance Co directed me to get an estimate (wherever I wanted) and send it to them. It was a fairly minor collision. I did and they approved it including OEM parts w/o argument. Then upon actual teardown, the shop called them to say we found a few other things, and they approved that also. No big deal. I think, and I could be wrong, that in many cases, if you wreck *your* car, the ins co is likely to specify aftermarket parts. If you wreck someone else's car, they are likely to cover OEM parts. Specific language may differ by company of course. And to be honest, if its a 8 yo minivan or suv or something, it really doesn't matter what they use, you'll literally never know the difference. And everyone pays in the long run when claims for OEM parts are paid out at a pointless premium over aftermarket on cars that have seem much of their useful life already.[/quote]
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