NO JOB TOO LARGE OR TOO SMALL!
FIBERGLASS REPAIR AND PAINTING
CLASSIC CAR BODY REPAIR AND UPHOLSTERY
TIPS ON WHAT YOU SHOULD REMEMBER WHEN PURCHASING AUTO INSURANCE:
• Get what you've paid for.
• Always purchase the appropriate amount of insurance you need to keep yourself properly covered.
• Read your policy to be sure it includes and covers everything you expect.
• Be sure your policy covers OEM, original equipment parts, not aftermarket parts
You should be the one in control of you vehicle's repairs, not the insurance company.
ALWAYS PICK THE REPAIR SHOP OF YOUR CHOICE.
“A LETTER TO THE COMMISSIONER OF INSURANCE”
Mrs. Newman, my name is William Rye. I am the owner of Rye's Body Shop in Bartlett, TN. I have been in business since 1967 with no complaints. I am a small family business with a long list of regular customers. I don't believe aftermarket parts should be installed on newer cars. For example I had a customer come in for a estimate. she told me a story I can't quit thanking about. She had a wreck in her almost new 2008 Pontiac. She was giving a list ofshops picked by the insurance co. She said she was not very happy with the repairs but after taking it back several times with no satisfying results, she gave up. Not being satisfied with the repairs she said the car didn't mean the same to her so she decided to trade it in for a new car. While taking a test drive with the salesman, her car was being inspected for trade in value. When they returned to the lot she was told her car has been wrecked. They told her they could tell by the aftermarket fender that was installed and sense they could not tell to what extent the damaged were, they would have to give her bottom dollar for her Pontiac. I gave her an estimate to replace the aftermarket finder with a new OEM finder. I also told her to contact her insurance company and complain. I have not heard from her so I don't know her results. Please find a way to let people know that they can choose the shop and don't have to choose one on the insurance company's list. Some insurance companies are writing policies using aftermarket parts. It is in the policy but a lot of people don't read the policy all the way thru. They want to trust the agent and they like to hear the lower cost. Something as important as this should be placed on the policy and pointed out by the agent. Insurance companies have their contract shop that have to do the repairs according to the contracts. Please tell the people to please take time to read these contracts and look between the lines. Anything can be writing to sound good.
Thank you for reading this.
RESPONSE FROM THE INSURANCE COMMISSIONER:
Your email to the Commissioner regarding aftermarket parts use has already been addressed by Department of Insurance Rules Chapter 0780-1-59.04. It states that the use of aftermarket parts must be disclosed to the claimant in a written estimate. It also states that non-OEM parts are not required on vehicles that are older that the current year ('10) and immediate prior ('09) year model.
(1) No insurer shall specify directly or indirectly the use of non-OEM aftermarket crash parts in the repair of an insured’s or third party claimant’s motor vehicle without disclosing the intended use of such parts to the insured or third party claimant. In all instances where non-OEM aftermarket crash parts are intended for use by an insurer:
(a) The written estimate shall clearly identify each such part.
(b) A disclosure document containing the following information in no smaller print than ten (10) point type or larger type shall appear on or be attached to the insured’ s or third party claimant’s copy of the estimate: “This estimate has been prepared based on the use of one or more crash parts supplied by a source other than the manufacturer of your motor vehicle.
Applicable to these replacement parts are provided by the parts manufacturer or distributor rather than by the manufacturer of your vehicle.”
(2) Non-OEM after market crash parts shall not be used on current year model or immediate prior year
model motor vehicles without the express permission of the insured or third party claimant.
We obviously have no control over how a car dealership evaluates a used car for the trade-in value. It has still been involved in an accident regardless of the type of parts used in the repair.
I hope this answers your questions regarding the use of non-OEM parts.
Wes Boyd - Investigator
TN Dept. of Insurance
BARTLETT'S BEST AUTO COLLISION REPAIR SHOP SINCE 1967 WITH NO COMPLAINTS!
WE MUST BE DOING SOMETHING RIGHT! WE ARE A SMALL, FAMILY-OWNED BUSINESS THAT CARES ABOUT ITS CUSTOMERS AND DEPENDS ON THE REPEAT AND REFERRAL BUSINESS THEY HELP GENERATE.
WE REPAIR ALL MAKES AND MODELS!