
Originally Posted by
xbeta
My insurance said they cannot fix it with the dealers. They need to pursue their "preferred" body shop and fix this. God knows if they will buy with original parts and paint it.
This is absolutely false. You have the right by law to get it repaired anywhere you want.
Ultimately, however, the insurance payout will be based on what the insurance co estimates the repair cost to be.
For example, if they estimate based on an aftermarket bumper, you can still have an OEM bumper put on but you pay the difference unless you get them to agree on OEM.
If you've never handled an insurance claim before, the process should be:
1.) YOU should get 1-2 estimates yourself for the repair at body shops.
2.) Either the body shop will coordinate with the insurance to have an appraisal done on site, or you will need to take it to the insurance co to get an appraisal done
3.) Talk to the body shop about the insurance appraisal and compare to the estimate YOU got yourself. Insist that the repair look 100% like original condition. If there is any showstopper in the appraisal, figure it out with the insurance adjuster before repairing.
If you really want an OEM bumper, make sure you let the insurance adjuster know you won't be satisfied with improper fitment. If the aftermarket bumper is not 100% good fitment, you will require them to re-do the repair. They may relent and allow OEM bumper part.
Know that this will go on your record and potentially increase your rates.
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