Car Repair Claims
Don't let your insurance company put their profits ahead of your safety
OEM and Safe Repairs
Shortcuts are never a good idea when your family's safety is at stake.
After a collision, following the direction of your vehicle manufacturer (OEM) is the best way to ensure a safe repair. This includes using OEM parts - not junkyard or aftermarket parts.
Junkyard parts and aftermarket parts are generally not tested for safety or reliability. OEM parts, however, are tested and are made by the company that understands your vehicle best.
Safety vs. Cost
Unfortunately, when you make a car repair claim, insurance companies often do not want to pay for OEM parts or procedures. Your insurance company may make you choose between safety and cost - just so they can save money on your property damage claim.
Is Your Insurance Company Refusing to Pay Your Car Repair Claim?
If you made a collision claim or comprehensive claim and your insurance company refuses to pay for:
- OEM parts
- OEM procedures
- Labor rates
- Safety scans
- A replacement instead of a repair
- Other collision-related damage
Florida law has special protections for you to ensure your vehicle is safe.
For example, Florida Statute 626.9743(4):
An insurer may not require the use of replacement parts in the repair of a motor vehicle which are not at least equivalent in kind and quality to the damaged parts prior to the loss in terms of fit, appearance, and performance.
In addition, most Florida insurance policies require your insurance company to pay enough to restore your vehicle to its pre-loss condition.
At Irvin & Irvin, we assist our personal injury clients when their insurance company refuses to pay for safe and proper repairs.
Whether your insurance company owes you for certain repairs requires a review of your policy, estimates, and other documentation.
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