Just some notes:
1. OEM replacement crash parts are not made by the OE company, they are mostly made overseas by many of the same companies that make aftermarket parts.
2. Most insurance companies use CAPA certified parts. Certifed to be as good or better than OEM.
3. Ask your mechanic on how often an OEM part is damaged, doesn’t fit and is of inferior quality. Oh well….it is OEM.
4. Check to see how many aftermarket parts you have on your new car when you drive it home….Batteries, wipers, mufflers, tires, etc. All of which mean alot more to my safety than a fender.
5. Ever track auto recalls? It is frightening how many recalls there are every year on safety related parts by the big car companies. OEM is better?
Keep in mind most of these parts are just to make your car look better, not to save your rear in an accident. And using all OEM simply lines the pockets of the big auto makers.
All policies state that the policyholder must use aftermarkets parts if they are available.
This is just another loophole the industry has found to squeeze the policholders & get every penny that can possibly get.
You call this A Law? lol Please!
It should be against the law………
It’s really insulting that this Industry
contributes millions to Political Campaigns!
Yet they stay awake at night thinking of ways to skim the bones off the policy.
Seems they would rather hurt their own clients before they would help them.
Is there any laws that protect the Insured?
Any laws that protect Agents?
They don’t even have a law to protect an Agent if the Company does not pay them.
If we don’t pay you, we are terminated.
If Agents don’t produce, you terminate them.
I wonder…how much more is it going to take to terminate bad policies?
People in every city, and in every state are
Clients.
What has the industry ever done to help anyone of their clients?
Katrina was the worst natural disaster in US history.
Strangers came to our aid & the Insurance Industry turned they backs on us, Denied us,
Then spent millions & pulled every rope they could to get out of paying.
They own the media because they spend millions in advertising on TV, Radio, News papers & magazines.
Seems they have cornered the market but
still pick the bones from the Policholder.
How many people are overpaying to insure
used cars?
The premiums cost more than the value of the car. If the damage is more than the value of the car, minus mileage, dings, depreciation….
The policyholder Will Not Even Get
Aftermarket Parts.
How about ANPAC trying to sell my flooded Mercedes Benz to a Salvage Company.
ANPAC took over 4 months to pay me & the only phone calls I received were from the Salvage Co.
I refused to release the car until I was paid.
The Salvage Company continued to call but
never called back after I told them that the NOPD tagged the vehiche vin number and put it into the computer as a flooded vehicle………
The Benz is still in my driveway.
ANPAC now owes me over 2 years of storage fees & they won’t pay or send the title.
You smell something fishy?
We’re all paying you for Lobster….
but we’re geting fish with lobster sauce.
Really leaves a bad taste….
especially when people like you
laugh at us & call us stupid.
All I know is the truth.
You can’t handle the truth.
You want to have me thrown off IJ.
I can’t believe how many comments in this blog are “insurance” tainted… oh yeah, it’s called the Insurance Journal.
What is the problem with paying off on a bet when an insurer has a claim? Didn’t the insurer have all of the available information up front; before they wrote the policy. And as someone else has already so eloquently made the point; the cost of the policy NEVER goes down while the vehicle depreciates year after year. Thus, the replacement costs are mute and have been “fiduciarily factored” by Underwriting before the policy was written.
Remember folks, these policies are INDEMNIFICATION policies (fit, function, safety, and value) and the claims process needs to take into consideration ALL FOUR aspects; not 3.5 or 3.3 or 3.1 or 3.0. If the “value” leg of the “indemnification stool” can be removed, then all you’re selling is an HMO or PPO for vehicles.
From the way some of you think, why not just put a red fender on a blue car? It fits, it functions, and it’s safe; but there’s no “VALUE” remaining and that’s what an insurance policy is for (and has been for for over 60 years) and why it’s permitted to be sold in the first place… to make people WHOLE.
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
Just some notes:
1. OEM replacement crash parts are not made by the OE company, they are mostly made overseas by many of the same companies that make aftermarket parts.
2. Most insurance companies use CAPA certified parts. Certifed to be as good or better than OEM.
3. Ask your mechanic on how often an OEM part is damaged, doesn’t fit and is of inferior quality. Oh well….it is OEM.
4. Check to see how many aftermarket parts you have on your new car when you drive it home….Batteries, wipers, mufflers, tires, etc. All of which mean alot more to my safety than a fender.
5. Ever track auto recalls? It is frightening how many recalls there are every year on safety related parts by the big car companies. OEM is better?
Keep in mind most of these parts are just to make your car look better, not to save your rear in an accident. And using all OEM simply lines the pockets of the big auto makers.
All policies state that the policyholder must use aftermarkets parts if they are available.
This is just another loophole the industry has found to squeeze the policholders & get every penny that can possibly get.
You call this A Law? lol Please!
It should be against the law………
It’s really insulting that this Industry
contributes millions to Political Campaigns!
Yet they stay awake at night thinking of ways to skim the bones off the policy.
Seems they would rather hurt their own clients before they would help them.
Is there any laws that protect the Insured?
Any laws that protect Agents?
They don’t even have a law to protect an Agent if the Company does not pay them.
If we don’t pay you, we are terminated.
If Agents don’t produce, you terminate them.
I wonder…how much more is it going to take to terminate bad policies?
People in every city, and in every state are
Clients.
What has the industry ever done to help anyone of their clients?
Katrina was the worst natural disaster in US history.
Strangers came to our aid & the Insurance Industry turned they backs on us, Denied us,
Then spent millions & pulled every rope they could to get out of paying.
They own the media because they spend millions in advertising on TV, Radio, News papers & magazines.
Seems they have cornered the market but
still pick the bones from the Policholder.
How many people are overpaying to insure
used cars?
The premiums cost more than the value of the car. If the damage is more than the value of the car, minus mileage, dings, depreciation….
The policyholder Will Not Even Get
Aftermarket Parts.
How about ANPAC trying to sell my flooded Mercedes Benz to a Salvage Company.
ANPAC took over 4 months to pay me & the only phone calls I received were from the Salvage Co.
I refused to release the car until I was paid.
The Salvage Company continued to call but
never called back after I told them that the NOPD tagged the vehiche vin number and put it into the computer as a flooded vehicle………
The Benz is still in my driveway.
ANPAC now owes me over 2 years of storage fees & they won’t pay or send the title.
You smell something fishy?
We’re all paying you for Lobster….
but we’re geting fish with lobster sauce.
Really leaves a bad taste….
especially when people like you
laugh at us & call us stupid.
All I know is the truth.
You can’t handle the truth.
You want to have me thrown off IJ.
I can’t believe how many comments in this blog are “insurance” tainted… oh yeah, it’s called the Insurance Journal.
What is the problem with paying off on a bet when an insurer has a claim? Didn’t the insurer have all of the available information up front; before they wrote the policy. And as someone else has already so eloquently made the point; the cost of the policy NEVER goes down while the vehicle depreciates year after year. Thus, the replacement costs are mute and have been “fiduciarily factored” by Underwriting before the policy was written.
Remember folks, these policies are INDEMNIFICATION policies (fit, function, safety, and value) and the claims process needs to take into consideration ALL FOUR aspects; not 3.5 or 3.3 or 3.1 or 3.0. If the “value” leg of the “indemnification stool” can be removed, then all you’re selling is an HMO or PPO for vehicles.
From the way some of you think, why not just put a red fender on a blue car? It fits, it functions, and it’s safe; but there’s no “VALUE” remaining and that’s what an insurance policy is for (and has been for for over 60 years) and why it’s permitted to be sold in the first place… to make people WHOLE.
they spray paint the red fender and don’t tell you.
They sell flooded vehicles to salvage companies for resale.
The injustice of Amercian Family.
Go after American National Property & Casualty for selling flooded vehicles for resale and off parts.
Denounce them by name !