2016 sierra slt wrecked...

[Tony Bianco]

IMO they shouldn't be using aftermarket parts anyway

Aftermarket parts have been around since the day after OEM parts became available.

 

 

I can tell you about a car we recently repaired for Geico ...... Geico required use of all aftermarket parts, BUT the core support was replaced with OEM. I uploaded photos of fitment issues of the A/M parts and still they wouldn't budge. We went ahead and reassembled/painted/delivered the vehicle to the owner.

I personally pointed out the flaws of fitment to the vehicle owner. Geico caved and we ended up repairing the vehicle with all OEM parts.

 

If ever anyone has a repair done on their vehicle and know the repair included A/M parts; look for the slightest imperfection in fitment and you'll have a viable argument for the repair to be redone with OEM parts only.

[Tony Bianco]

That does not surprise me at all sadly. No wonder things are so complicated anymore.

Yeah.

[muddkatt]

While everyone has an opinion, I feel that an insurance company should use OEM parts. Apparently I am not the only one that feels that way either:

 

http://www.nola.com/crime/baton-rouge/index.ssf/2015/08/state_farm_lawsuit_repairs_aut.html

 

I hope they clean State Farms clock. After this suit is over, every other state needs to do the same thing.

[Tony Bianco]

While everyone has an opinion, I feel that an insurance company should use OEM parts. Apparently I am not the only one that feels that way either:

 

http://www.nola.com/crime/baton-rouge/index.ssf/2015/08/state_farm_lawsuit_repairs_aut.html

 

I hope they clean State Farms clock. After this suit is over, every other state needs to do the same thing.

Obviously, everyone feels that way.

 

To LA, good luck with that.

[xelli]

Just for giggles, I looked up USAA's policy:

 

CAPA and Aftermarket Parts

For the repair of covered vehicles in Florida that are three years old or older (from the date of manufacture), USAA, in complying with its contractual obligations set forth in the Florida Automobile Insurance Policy, may, in its discretion, authorize crash replacement parts supplied by either: (i) the original manufacturer of the automobile ('OEM'); or (ii) a manufacturer that was NOT THE ORIGINAL MANUFACTURER OF THE AUTOMOBILE ('Non-OEM'), with respect to the following crash replacement parts: (a) all exterior (excluding trim) sheet metal crash replacement parts (including fenders, bumpers, hoods, door shells, door panels, trunk lids, hatchbacks, lift gates, quarter panels, rear body panels, pick up truck beds, box sides, tailgates, deck lids, hatches, body side panels, and radiator support panels (bolted or welded)); (b) all interior structural sheet metal crash replacement parts (including bumper reinforcements and rails).

 

http://www.capacertified.org

CAPA is a non-profit organization created to certify aftermarket crash replacement parts. With respect to the authorization of Non-OEM parts, USAA solely authorizes the use of OEM or crash replacement parts that have been certified by CAPA. CAPA is funded in part by the insurance industry, including USAA.

[beyondbasic]

here in NY a insurance company MUST USE OEM PARTS for any vehicle less than 2yrs of age.

[Tony Bianco]

Just for giggles, I looked us USAA's policy:

 

CAPA and Aftermarket Parts

For the repair of covered vehicles in Florida that are three years old or older (from the date of manufacture), USAA, in complying with its contractual obligations set forth in the Florida Automobile Insurance Policy, may, in its discretion, authorize crash replacement parts supplied by either: (i) the original manufacturer of the automobile ('OEM'); or (ii) a manufacturer that was NOT THE ORIGINAL MANUFACTURER OF THE AUTOMOBILE ('Non-OEM'), with respect to the following crash replacement parts: (a) all exterior (excluding trim) sheet metal crash replacement parts (including fenders, bumpers, hoods, door shells, door panels, trunk lids, hatchbacks, lift gates, quarter panels, rear body panels, pick up truck beds, box sides, tailgates, deck lids, hatches, body side panels, and radiator support panels (bolted or welded)); (b) all interior structural sheet metal crash replacement parts (including bumper reinforcements and rails).

 

http://www.capacertified.org

CAPA is a non-profit organization created to certify aftermarket crash replacement parts. With respect to the authorization of Non-OEM parts, USAA solely authorizes the use of OEM or crash replacement parts that have been certified by CAPA. CAPA is funded in part by the insurance industry, including USAA.

 

 

Yup, those are our guidelines. Not all insurance companies are like this. Allstate will use any and al OEM parts available BEFORE calling for aftermarket parts to be used.

[xelli]

Copy-cat car bumpers prove dangerous in Ford test

(from 2010 report)

 

http://www.consumerreports.org/cro/news/2010/11/copy-cat-car-bumpers-prove-dangerous-in-ford-tests/index.htm

 

[muddkatt]

Yup, those are our guidelines. Not all insurance companies are like this. Allstate will use any and al OEM parts available BEFORE calling for aftermarket parts to be used.

 

Good information!!!! So who else besides Allstate operates like this? I want to make a informed decision when I leave State Farm.

[Tony Bianco]

 

Good information!!!! So who else besides Allstate operates like this? I want to make a informed decision when I leave State Farm.

 

Not really anyone other than USAA.

 

Just remember, the insurance companies consider new, used and reconditioned parts all as OEM. Even if we receive a mildly damaged used/new OEM part (Chevrolet has sent us 4 new OEM Chevrolet tailgates all of which have defects and prevent us from using them) we are supposed to use them even if we need to "clean" them up. When I say "clean" that means to repair any minor damage or blemishes. Brand new OEM parts are meant to be returned for replacement.

 

IMO, used, recon and new are all the same and fitment is rarely an issue.

 

All insurance companies will allow OEM parts to be used under different circumstances.

[gsracer]

UPDATE*****

 

Well state farm adjuster came out to the dealer today, and made a new estimate totaling about 17,000 dollars. In this estimate the repair consists of removing the frame and all associated components and reinstalling everything. They will be replacing both doors, rocker panel, pilar, cab side, and bedside. Everything is OEM components and the only thing they will be repairing is the buckled floor.

 

I just can not wrap my head around completely disassembling this truck down to the frame and putting it back together. This thing is going to be a rattle trap. I have had suggestions about getting a lawyer or attempting to go the diminished value route (although that can't be done till after its repaired). I don't know how to proceed here. I haven't yet spoken to State farm directly outside of the first drive up adjuster.

 

Any advice or suggestions?

[15slvrDbl]

Yup, those are our guidelines. Not all insurance companies are like this. Allstate will use any and al OEM parts available BEFORE calling for aftermarket parts to be used.

Not in MI! Allstate will use the cheapest used oem part available. And at all costs avoid new. We have went round and round with them about using used radiator and condensers. I would rather put in aftermarket with lifetime warranty than a beat up used part with a 90 day warranty. But they don't do aftermarket unless things have changed.

 

The only way to insure you get all new oem parts is to buy an oem policy. That is a binding contact that they will only use new oem parts. It will cost more than a conventional policy.

[dave07]

UPDATE*****

 

Well state farm adjuster came out to the dealer today, and made a new estimate totaling about 17,000 dollars. In this estimate the repair consists of removing the frame and all associated components and reinstalling everything. They will be replacing both doors, rocker panel, pilar, cab side, and bedside. Everything is OEM components and the only thing they will be repairing is the buckled floor.

 

I just can not wrap my head around completely disassembling this truck down to the frame and putting it back together. This thing is going to be a rattle trap. I have had suggestions about getting a lawyer or attempting to go the diminished value route (although that can't be done till after its repaired). I don't know how to proceed here. I haven't yet spoken to State farm directly outside of the first drive up adjuster.

 

Any advice or suggestions?

I cant wrap my head around it either. 99 miles! What happens when you try and get warranty work done and GM blames the problem on your accident? I would want a whole new vehicle because this one will never be the same. That is the route I would be going for!

[DCazares]

Will it have a rebuilt title after it's fixed?

[BIGDOGx]

Get a lawyer and don't sign, agree and accept anything less then a brand new truck fresh off the dealer lot with 0 miles on the clock! If you have to sue the person who hit you then go that route, but no way in heck should you be forced to accept having your brand new truck torn apart like this.