Quote:
Originally Posted by Arcades
They can tell you different things but I have 1st hand experience with Liberty Mutual with multiple claims on my family's cars. They prefer to repair your current damaged part than completely replace it with an OEM piece.
This is why my friends at BMW Certified Collision doesn't like working with Liberty Mutual because it is a huge hassle for them. In fact I'm going through my comprehensive damage on my 328i right now so I know this as a fact. At least for me on the West Coast.
I was also rear ended past year on my 328i and Liberty Mutual took 1 month and a half plus to finish the claim so I was without my car for that long period of time.
If Liberty Mutual did indeed replace your damaged car part (door, fender etc) then the repair would be a lot faster. But they don't, not as least what I have been experiencing.
|
Not necessarily true. It depends on the parts cost and the re&re time vs bench time vs estimated time. Actual repair time is not considered. If the estimated repair time from ADP or Mitchell is 8 hours and the part is less than $1000 (for example) the insurer will always opt for replacement as it costs them less. OTOH, your shop will always push for repair because they get paid estimated time and if their techs are good they'll repair it in less and the difference is pure profit. The bench time for most good techs will consistently beat book times by 20% or more and repair shops will always prefer repair over replace if it's anywhere close in cost. There's a lot more profit to be made from good bench times than on parts markup.
Your shop is blowing smoke up your backside if they're telling you that they would prefer to use replacement parts and the insurer is saying no. The shops always prefer repair if its feasible because there's a lot more $$$ in it for them.