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GEN 2 (2017-2020) Ford F-150 Raptor Forums
Ford F-150 Raptor General Discussions [GEN 2]
Insurance: What the Fr*ck!
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<blockquote data-quote="smurfslayer" data-source="post: 1858713" data-attributes="member: 21926"><p>27 is why you’re getting financially abused. Married? can you put in your wife’s name? </p><p></p><p>Usually USAA is close, but once they opened up to the broader audience, their rates went up. They’re almost always in the top 3 for cost when I check but have only once ever been cheapest. </p><p></p><p>see below.</p><p></p><p>100% correct. Been there with s/f. done that with s/f. Got the repair done, unsatisfactorily. body shop called and said to s/f “unacceptable outcome, ordering OEM parts”. did not pay extra. Of course, YMMV if your body shop and you aren’t willing to compel the satisfaction guarantee. </p><p></p><p>see this quote, double asterisks be damned.</p><p></p><p>Repaired to your satisfaction does mean what we all think it means.</p><p>Never, ever go to a shop that will use non OEM parts for repairs. Quality body shops make this an advertising point.</p><p></p><p>These shops are run and staffed by craftsmen; people who put the stuff back together, then mic everything with dial calipers to perfection. Their paint work isn’t just optically perfect, you can put it under a magnifier of your choice - some shops have huge magnifying glasses just for this purpose. IF you do manage to find a flaw, they won’t need to be told to fix it, they will fix it on their dime, their time - because again, these people are craftsmen who take pride in their work. </p><p></p><p>The use of non factory parts in body repairs is fraught with peril. They aren’t manufactured to the same quality specs and tolerances, they don’t result in the same fit and finish and ultimately, their name is on the repair bill, regardless of who reimbursed for it. </p><p></p><p>In some states, maybe this is more difficult. Let’s be honest here, auto insurance is a state sanctioned, private industry protection racket. It’s required by law pretty much everywhere, and “very gently” regulated. As much as I detest big government and new laws and regulations, auto insurance is one area I would love to see the heavy hand of government at all levels crack down on.</p></blockquote><p></p>
[QUOTE="smurfslayer, post: 1858713, member: 21926"] 27 is why you’re getting financially abused. Married? can you put in your wife’s name? Usually USAA is close, but once they opened up to the broader audience, their rates went up. They’re almost always in the top 3 for cost when I check but have only once ever been cheapest. see below. 100% correct. Been there with s/f. done that with s/f. Got the repair done, unsatisfactorily. body shop called and said to s/f “unacceptable outcome, ordering OEM parts”. did not pay extra. Of course, YMMV if your body shop and you aren’t willing to compel the satisfaction guarantee. see this quote, double asterisks be damned. Repaired to your satisfaction does mean what we all think it means. Never, ever go to a shop that will use non OEM parts for repairs. Quality body shops make this an advertising point. These shops are run and staffed by craftsmen; people who put the stuff back together, then mic everything with dial calipers to perfection. Their paint work isn’t just optically perfect, you can put it under a magnifier of your choice - some shops have huge magnifying glasses just for this purpose. IF you do manage to find a flaw, they won’t need to be told to fix it, they will fix it on their dime, their time - because again, these people are craftsmen who take pride in their work. The use of non factory parts in body repairs is fraught with peril. They aren’t manufactured to the same quality specs and tolerances, they don’t result in the same fit and finish and ultimately, their name is on the repair bill, regardless of who reimbursed for it. In some states, maybe this is more difficult. Let’s be honest here, auto insurance is a state sanctioned, private industry protection racket. It’s required by law pretty much everywhere, and “very gently” regulated. As much as I detest big government and new laws and regulations, auto insurance is one area I would love to see the heavy hand of government at all levels crack down on. [/QUOTE]
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GEN 2 (2017-2020) Ford F-150 Raptor Forums
Ford F-150 Raptor General Discussions [GEN 2]
Insurance: What the Fr*ck!
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