I never said we could not take out vehicles to any repair facility we want.
In fact - we don't even have to take them to a licensed repair facility.
Here, you can do the work yourself, have someone else who is not a
registered repair facility do the work, or even... not do the work at all.
My point was not that the 07 had rust already - my point was that the
insurance companies are only obligated to restore a vehicle to its
pre-accident condition. The extreme example of what they *could* do (though
it is not a common practice) was to use rusty parts on a rusty car.
I don't work for an insurance company. My best friend is an adjuster for
one of the bigger ones, and I have gained a lot of insight into that world
through him. As well, I've had my own dealings with insurance claims and am
aware of what the laws in NY and many other states really allow. Many
people think they have more authority over the insurance companies than they
If your state allows you to specify OEM parts, then you live in a somewhat
rare state. Most do not allow the policy holder to make that stipulation.
Most do however, require "of like kind".
Mike , agreed on all points, I am an adjuster in NYS, here many companies
are not using AM parts because of class action law suits. They will use LKQ
though as available. I tend to try and write OEM if the car/truck is still
in factory warranty. Here the policy must specifically state they reserve
the right to use non oem parts. Diminished value another issue, NYS has been
looking at this issue and it is still unresolved.
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