I've posted about this before-- you have the mistaken belief that an expensive or "reputable" insurance company (i.e State Farm and others) will provide OEM parts while others will not. Absolutely not true. Unless you have a rider for OEM parts, or you have some boutique insurance I'm not aware of (correct me if you do), they will use CAPA certified aftermarket parts. If CAPA certified parts are not available, they will use OEM.Which is why I’ll never, ever go with Geico, Progressive, Allstate, The General or other insurance companies in that grain.
capadude said:This questions the integrity of the shop, not the insurance company. The insurance company and customer thought they were getting OEM when they got swapped for used and aftermarket LKQ parts.
I agree with this-- If the shop is quoting OEM parts to the insurance company and using non-OEM parts, that's fraud. But insurance companies are no dummies, they're wise to this. They typically specify parts cost to the near dollar and expect CAPA certified parts when available. This is especially true if you use one of the insurance company's "in-network" repair shops. Any overage (aftermarket parts not available) would require a supplement, same as any hidden damage they didn't see; they have to approve any overages.