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Will insurance companies pay for parts, such as a bumper, that are better but more expensive than the parts that were on the truck before my accident?

No, insurance companies do not normally pay for parts that are better than the parts being repaired or replaced. A car insurance company's repairs should make you whole, not better than you were before the accident. Replacing parts with better or more expensive parts would be what is known as "betterment."

Betterment is a condition relating to original equipment, or older parts, on your automobile, when having been damaged in an accident may only be replaced with new part(s). The resulting improved condition of the vehicle is known as betterment. Consequently many insurers may ask the insured to contribute to the cost of the repair.

It will depend upon state laws and insurance company guidelines but if you want better parts or newer parts than what the insurance company is offering to pay for you may be able to receive them if you are willing to pay the difference.

If appears you may be located in Wisconsin. The WI Office of the Commissioner of Insurance states the following about betterment and depreciation of parts:

Betterment means that your repaired vehicle is better than it was before it was damaged. Your insurance company may only reduce your settlement if your vehicle's resale value has increased over what it was before the accident. Generally, an insurer will deduct the difference between the cost of a used part (appropriate for age and condition of the vehicle) and the cost of a new part. Betterment is only considered for major parts such as transmissions or engine blocks. Betterment might be considered for other parts that if new would improve the value or saleability of the vehicle.

Depreciation refers to a reduction in your settlement based on the age or use of a part that is to be replaced. Certain parts on your vehicle have a "life expectancy" and your insurance company may take this into consideration. For example, if a tire on your vehicle is expected to last 60,000 miles, but it was used for 30,000 miles at the time of the accident, your insurance company may elect to pay only 50% for a new tire.

If you wish to replace the bumper of your truck with a different, more experience one during the repair process discuss this with the insurance company taking care of the claim and see if this is possible and how much you would have to pay towards this type of bumper.

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This car insurance answer was last updated 10:47 AM Mar-13.
This claims question was asked 2:48 PM Mar-08-2007.
Jerry D requested this car insurance help from CarInsurance.com experts.
Rated 0 out of 10 based on 0 votes.
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