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Old 12-22-2006, 10:56 PM
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Demon Z
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Default New(!) insurance question

First: a little history. 12/20, on my way home in Bumfuk, Ohio, I "slightly" hit a deer with my Z. If she is reading this right now: You have a 60-grit fisting coming if I ever see your furry *** in the road again. Let's just say that if I had braked just a fraction of a second sooner, I wouldn't be posting this. Damage was $2400 total. Fender, headlight (was just replaced 90 min. before- THE IRONY!!!) and the front bumper is torn right at the corner. My question is: do I have a legal right to demand use of oem parts to fix my car? Because obviously, I only want the best for my Z, not some half-assed non-fitting parts the body shop got on the cheap. I've been told that this is true, but I'd like some verification on this. It's bad enough that I have to drive it like this until 1/15, but the thought of having shoddy, horrible-gapped body parts on my otherwise pristine car is really depressing. Thx for any input in advance....

Last edited by Demon Z; 12-23-2006 at 12:59 AM.
Old 12-22-2006, 11:10 PM
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Everybodywildou
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I believe so. I think my insurance company tried to offer me used parts or something. I said no thanks.
Old 12-23-2006, 05:21 AM
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Spoiled Z
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hmm if you take it to a Nissan shop I'm guessing they would replace it with oem parts ....
Old 12-23-2006, 06:11 AM
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davidv
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Read your policy. Does it say that OEM parts must be used or does it allow for substitute parts?
Old 12-23-2006, 09:24 AM
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Fletch69z
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Yeah, you would have to check your policy.
Old 12-23-2006, 09:43 AM
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HighwaySpeed
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Exclamation

Insurance companies are greedy. Demand OEM parts.
Old 12-23-2006, 11:40 AM
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Swiffer
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Originally Posted by davidv
Read your policy. Does it say that OEM parts must be used or does it allow for substitute parts?
+1. This will vary by policy.
Old 12-23-2006, 12:00 PM
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rocks
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haha dont take it to a dealer shop they are usually horrible. You dont want people painting your car that work by the hour. Used fenders are normal and save you money. But you can request new parts. I rebuilt my porsche out of used parts and you couldnt even tell it had been wrecked.
Old 12-23-2006, 12:19 PM
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myZter
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isnt it 1k+ damage they have to cover you.. but it might be diff at states
Old 12-23-2006, 12:24 PM
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Demon Z
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The body shop that I got my estimate at does excellent work and have proven themselves by what they had done for my previous car. I wasn't sure if requesting oem-only parts for a repair was the right of ANY auto insurance policy holder or if it was a per-policy matter, which is why I asked the question. I'm going to dig out my policy and magnifying glass....thanks for all the input.
Old 12-23-2006, 01:27 PM
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bailey bill
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I have a really unconventional response:

Why don't you call your insurance agent and ask him?

bill
Old 12-23-2006, 02:16 PM
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CaliTouring
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Originally Posted by bailey bill
I have a really unconventional response:

Why don't you call your insurance agent and ask him?

bill
+1
Old 12-23-2006, 02:29 PM
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davidv
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Originally Posted by Demon Z
I'm going to dig out my policy and magnifying glass....thanks for all the input.
You need more than a magnifying glass to read an insurance policy. You need a freaking lawyer.
Old 12-23-2006, 03:49 PM
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Demon Z
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Originally Posted by bailey bill
I have a really unconventional response:

Why don't you call your insurance agent and ask him?

bill
Sure, I can do that....but would you expect an honest answer from someone in the insurance business? I do not consider them to be on my side at any time. I carry auto insurance because I am legally obligated to. They are among the most heinious, ruthless, spineless, Enron-esque businesses in existence. Of course, that's just my opinion. That is why I came to you good people for help.

Last edited by Demon Z; 12-23-2006 at 03:55 PM.
Old 12-23-2006, 04:22 PM
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bailey bill
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Well, if you think he will lie to you when you ask the question, how do you think you are going to get teh insurance company to comply with your wishes for OEM parts. Are you going to print out the responses from this message and tell them they have to use OEM parts because you read it on a message board?

Seriously, if you want accurate answers to insurance questions, ask your insurer. Don't bother posting them on messge boards.

The "good people" on the messge board are NOT going to get your car fixed, your insurance comapny is.

bill
Old 12-23-2006, 04:30 PM
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Azn_Empurio
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they would have to use oem parts
my window was broken into
then came the news that the window would be delivered from Japan -.-
Old 12-23-2006, 05:10 PM
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HDPDZO6
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Originally Posted by Demon Z
Sure, I can do that....but would you expect an honest answer from someone in the insurance business?
Expect an honest answer on a message board?

Not sure about your experiences, but I have a great relationship with my insurance agent (been with same company since 1991. My agent relies on my business and goes out of his way to make his customers happy. I don't carry insurance because I'm legally obligated to. I carry it for peace of mind, knowing that if something unfortunate happens to my car, it will be taken care of.

If your experience isn't similar, might I suggest you shop around then. It's a highly competitive line of businesses and you can find one to satisfy you.

BTW, there is no such thing as "fine print." Thats just an excuse people use instead of admitting they were too lazy to get all the facts before making a decision.
Old 12-23-2006, 05:41 PM
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Demon Z
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Originally Posted by HDPD350Z
Expect an honest answer on a message board?
Well, a) this isn't a dick-measuring contest, and b) we are not in the street racing forum, so I didn't think it would be too taxing. I was just hoping for some definitive (advance) info on the subject at hand- perhaps someone else on the boards had gone through what I'm about to go through. I mean, don't get me wrong, it's not open-heart surgery on my child, but my Z is far and away my most prized possession. I want the best for my car, and that was the sole intent of my question.
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