I see your point. The should rebate you the cost insurance paid for the parts minus their discounted cost. Insurance paid them $327 for the fender. They could buy it for say $227. They make $100 profit on the part. If you supply the part, they need to charge you $100 to make themselves whole. They should refund you their cost and only keep the difference between their cost and what insurance paid them. But that should have been worked out ahead of time before any work started.Progressive owes me nothing and I owe them nothing. They’ve fulfilled their obligations by cutting a check for the estimated amount. The only issue I have with them is that they canceled the check directly to me after I’d already deposited it and reissued a check for the entire adjusted amount to the body shop.
The body shop is refusing to credit me the amount insurance paid for parts. Example I got an oe fender for $250 insurance paid them $327 for an aftermarket replacement. Headlamp I got at $118 they were paid $280 for a salvage yard piece. The difference in all these parts would cover the cost of the door skin I purchased and possibly some of the labor difference between repairing and replacing it.
So my issue is I don’t think it’s right that they can charge me markup on parts I supplied. The next time they bring a wheel and tire in to get mounted they’re not going to let me charge them $60 in parts since they supplied their own and the dealership lost profit. That’s exactly what they’re doing to me and their claim is that they are entitled to make profit on the parts markup.