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Car Insurance Question  My 1995 Honda Odyssey was parked in the driveway. Someone didn't set their brake on their truck so it rolled back and hit my driver's side door. The door has to be replaced and I want a new door. My van is in very good condition to be 11 years old. The other party's insurance company, State Farm, will only pay for the repairs if I use only the parts they want to use, which are used parts. If I want the new door, they are telling me to buy it myself. Is the insurance company responsible for giving me a new door or are they right telling me I have to buy it myself?

State laws differ but most states allow for after-market parts, also called non-OEM parts, meaning non-original equipment manufacturer parts, to be used when a vehicle is being repaired. The insurance adjuster or repair facility though should inform the car owner that non-OEM parts are being used.

If most states if the car owner does not want to used these non-original or possibly used parts, they usually can refuse the non-OEM parts but will have to pay the difference out of their own pocket for the parts that the insurance wants to use and the new or manufacturer original parts that they (the car owner) wants used to repair the vehicle.

Many states will require that the non-OEM parts or non-factory parts be of like kind and quality as well as have the same fit and performance as the parts being replaced.

State Farm's website notes that they plan on using recycled (used) parts, they will be clearly identified as such on the vehicle's repair estimate. They go on to say that the final choice as to which parts will actually be used in repairs is up to the car owner. However, should use of those other parts increase the repair cost, you will be expected to pay the difference. If you prefer parts other than those included in our estimate, you should notify the insurance adjuster and garage doing the repairs.

State Farm does have a satisfaction guarantee stated on their website as well. Here it notes that if you authorize repairs using recycled (used) replacement parts that they include in their estimate they promise that you will be satisfied with the fit and performance. To find out more about their use of recycled parts and their guarantee, speak with the insurance adjuster assigned to your claim.

The claims adjuster should also be able to tell you if you want a new door for your Honda Odyssey if you would have to pay for it fully, or instead if you would pay the difference between the used parts they want to use and the cost of the new door you want. To find out what your state's laws are with regards to non-OEM and used parts when an insurance company is paying for repairs from an accident, contact your state's insurance regulatory body

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This car insurance question was asked on 10/31/2006
This auto insurance answer was last updated on 11/2/2006
Relle requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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