[M2M2M2]

Originally Posted by cmyk

Somewhat agree, but this isn't necessarily true. A lot more than driving record is factored in to your premium rate. I have a perfect driving record and pay around $3,000 per year for my 2 vehicles. Location (down to your neighborhood/zip code), deductibles, coverage limits, age and lots of other factors are taken into account.

OP you are learning a valuable lesson here that unfortunately most people have to learn at some point (usually the hard way). Hopefully your situation will become a learning experience for others as well. Insurance is always a gamble. We are all paying for something that we hopefully will never have to use. I'm glad to hear that you are OK, and the damage wasn't catastrophic. These types of situations are never pleasant and hopefully everything will work out in your favor and you'll come out of this a bit wiser We all have to start somewhere, so best of luck to you

Thanks!

[Efthreeoh]

Originally Posted by DJtoad

Are you sure they didn't use non-OEM parts? Did you ask? They lost a huge class action lawsuit several years ago for failing to notify customers that they were using aftermarket parts:

A judge in Illinois this week awarded $730 million to State Farm policyholders whose vehicles were repaired with generic replacement parts. This is on top of a $456 million jury award in the same case earlier in the week.

The country's largest auto insurer says it will change the way it does business following that major loss in court. CBS News Consumer Correspondent Herb Weisbaum reports.The company decided Thursday to temporarily suspend the use of "after-market" crash parts. For the time being, State Farm wants repair shops to only use parts made by auto manufacturers. State Farm says it's doing this to eliminate any customer confusion or concern.

Monday, a jury in Illinois ordered State Farm to pay $456 million to past and current policyholders. State Farm cheated its customers by making body shops use cheaper and sometimes inferior copycat parts for crash repairs, the jury decided.

Yes, I'm sure. I checked the parts myself. I know a BMW part when I see one. P/N and Roundel stamp...

[ritjeff]

Allstate tried that same crap with me on old car. $4600 damage, they offered $1500. The excuses were insane. Scumbags.

[Dark_Knight_335]

Now that's progressive! Sorry couldn't resist...
GEICO for the win.

[mxchris727]

PURE for the win! They have not once installed an aftermarket part on any of my cars, They also have them repaired at the dealers.

[kdbryce]

that's a load of bs.

good luck, man

[M2M2M2]

Update:

So, I took it to Dave Orr's body shop. They replaced everything with OEM parts and gave the bill to Progressive. I also painted my kidneys and because they were damaged replaced them with OEM "Performance Black" kidney grills.

Went in to take a look at the car as it isn't finished yet, but looks almost ready!

Will just have to pay my deductible. Thanks everyone for their help and support.

[ChasVS]

But that's the "Progressive" way! How do you think thy make all those wonderful promises at such low cost? You get what you pay for..

[middleagedhippie]

I deal with insurance adjusters all the time in my job. You have to understand that the insurance companies scrape the bottom of the barrel to hire these people, and then train them to believe that everybody is a fraud, nobody has a legitimate claim, and that only the profits of the insurance company are material. There are some decent older adjusters . but when you get the young ones just out of school, you are generally dealing with people who could not make it in a real job and use these jobs as some sort of power trips.

In Florida, if your insurance company tries to screw you . . hire a lawyer. Even if you are arguing over just a few hundred dollars, they can end up paying your attorney tens of thousands if they lose the case. Insurance companies routinely try to save about 30% off what they should legitimately paying. Again, they are the bottom of the barrel. Remember that and although you may want to treat them respectfully to get the best service, never forget who and what you are dealing with.

[luv135i]

Originally Posted by Asiana Jones

Update:

So, I took it to Dave Orr's body shop. They replaced everything with OEM parts and gave the bill to Progressive. I also painted my kidneys and because they were damaged replaced them with OEM "Performance Black" kidney grills.

Went in to take a look at the car as it isn't finished yet, but looks almost ready!

Will just have to pay my deductible. Thanks everyone for their help and support.

Did Progressive already do their supplement because the bodyshop sending a bill over isnt going to fly since Progressive does their own estimtes

[aph335i]

You seriously just convinced me to leave Progressive and go to USAA

[John 070]

When I see how cheap aftermarket parts are, I see why the insurance cos. do what they do. I was fixing some rust on my 1998 Nissan, and my uncle goes why fix it, get a replacement aftermarket fender. It costs $38 at the body shop, and it's not the cheapest replacement fender, it's middle of the road. There is one for $70 and another for $29.

Imagine having insurance put a $38 retail fender on the car, it's probably under $20 wholesale. As opposed to an OEM being $308.73 retail, or probably 60% less wholesale. So insurance is trying to pay $20 for the fender, as opposed to the whopping $123. When you look at how much you pay in premiums, I'd hold them to the $123 if I could.