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Originally Posted by QueWhy
Maybe it varies from state to state but I think that’s against the law. You should be able to decide who fixes the car and have genuine parts replaced with genuine parts.
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It is the consumers choice where to repair the car in every state that I’m aware of however that doesn’t mean the insurer won’t hide that little detail from you and furthermore “steer” you very adamantly in the direction of their contracted shop. One major issue their shops won’t likely touch your classic car so that’s a good thing to use in your favor when not if you have to argue with them about items like your shop of choices hourly labor rates. Regarding aftermarket versus new or parts it depends on your state and your policy and how competent your shop is in navigating around and away from aftermarket parts. I successfully disqualify every single aftermarket part an insurer try’s to get me to use based on my state’s laws pertaining to aftermarket parts. The $250 million class action settlement with Statefarm is stemmed off of aftermarket parts dispute (Avery vs Statefarm) so they are more than capable of limiting payment to aftermarket parts.