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hi i have full coverge insurnace with state farm in chicago illinois my car was in accident my foult now they will pay for the damages on my car but only to use aftermaket parts can i do something to make them pay for orginal volvo parts they say i can use orginl parts but i have to pay the diference between aftermarket and orginal volvo parts .dont they have to repair the car as it was before the accident to same condition with orignal volvo parts and the car will loose value with aftermaket parts if you can tell what to do or to say that can help please do so ?
? thank you
Enes.
The laws and procedures regarding aftermarket parts vary from policy to policy and state to state. Your policy must conform with state laws and insurance commissioner regulations. What does your policy say about aftermarket parts? There, you will find the answer to the first question.
Now as this is a Volvo, I'd be interested in knowing which parts are in question. You see, I'm unfamiliar with any aftermarket crash parts that are even available for a Volvo with the exception of plastic bumper covers and lamps. No one makes an aftermarket door, fender etc. As far as mechanical parts, the ones that are available aftermarket such as radiators, condensers, some electrical components, wheels, brake parts, batteries, wiper blades, tires and glass are also parts that Volvo never actually manufactured to start with. This is the case with most car companies. All of those parts are sold by Volvo dealers at inflated prices and the boxes do say Volvo, but they are actually made by the same companies that produce the those parts for auto makers around the world and are also available under many brand names. In fact, I used to administrate service contracts for a Volvo branded "extended warranty" product and even it called for the use of aftermarket parts when available. Vehicle manufacturers are prohibited by federal law from voiding a warranty for the use of aftermarket parts unless they can show that the part is actually inferior and has caused further damage to the car.
If you would like to give me some more info on the specific year/make of the car and the parts in question, I may be able to share more info.
Good luck and I'd appreciate your feedback.
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Answers by Expert:
webfoot
Expertise
Auto damage, liability, insurance fraud. I am a full time auto insurance adjuster with experience in collision, theft, liability and fraud investigation. I am also an ASE Master Auto Tech and I-Car Collision Platinum certified. My experience includes 15 years in the auto repair industry, a B.S. in Criminal Justice, Law enforcement and auto insurance. ****** NO "PRIVATE" QUESTIONS WILL BE ANSWERED. I HAVE FOUND THAT NEARLY ALL PRIVATE QUESTIONS COME FROM PEOPLE WHO ARE CONSIDERING OR ATTEMPTING TO COMMIT FELONY INSURANCE FRAUD AND I'M NOT HERE TO HELP YOU! ****** I AM HERE TO ANSWER AUTOMOTIVE REPAIR, CLAIMS PROCESS AND SOME SIMPLE LIABILITY QUESTIONS. I CANNOT ADDRESS COMPLEX LIABILITY SCENARIOS WITHOUT HAVING ALL OF THE INFO FROM BOTH SIDES IN FRONT OF ME. QUESTIONS ABOUT PREMIUMS OR HOW INSURANCE IS RATED SHOULD BE ADDRESSED TO YOUR PERSONAL INSURANCE AGENT WHO KNOWS A WHOLE LOT MORE ABOUT YOUR HISTORY THAN I DO. I'VE NEVER SOLD INSURANCE AND DO NOT KNOW IF YOUR INDIVIDUAL INSURANCE RATES WILL GO UP IF YOU MAKE A CLAIM. THOUGH I'VE HANDLED SOME VERY MINOR SOFT TISSUE INJURY SETTLEMENTS, I PREFER NOT TO ANSWER INJURY RELATED QUESTIONS. I'M NO INJURY EXPERT AND I'LL LIKELY SAY SOMETHING TO HURT SOMEONE'S FEELINGS AS I BELIEVE THAT MANY SOFT TISSUE PAIN AND SUFFERING CLAIMS ARE OVER DRAMATIZED. UNLIKE MANY OTHERS, I AM ON THIS FORUM AS A VOLUNTEER WITH NO PRODUCTS OR SERVICES TO SELL AND PROMISE AN UPFRONT ANSWER BASED ON MY EXPERIENCE IN BOTH SIDES OF THE INDUSTRY. IF YOU PROVIDE ME WITH A HONEST VERSION OF EVENTS, I PROMISE A CANDID AND HONEST ANSWER IN RETURN. I CANNOT ADDRESS ALL CLAIM SCENERIOS DUE TO DIFFERING STATE LAWS AND REGULATIONS, BUT WILL DO MY BEST. PLEASE REMEMBER THAT AN HONEST ANSWER MAY BE ONE THAT YOU DON'T LIKE SO IF THAT IS GOING TO BE A PROBLEM, PLEASE DON'T ASK THE QUESTION. LASTLY, I DO NOT ACCEPT RATINGS AS I DON'T DO THIS FOR RATINGS AND WISH TO SPEAK FREELY.
Experience
20 years in automotive industry, Currently in insurance claims, worked actively as technician and shop owner until about 10 years ago. Current ASE Master Auto Tech and I-Car Platinum Collision Certifications, B.S. Criminal Justice and 10 year auto insurance/extended warranty background
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