Vehicles of today are nothing like the vehicles from even 5 years ago. The technical knowledge that is required in the collision industry field is astonishing. Most insurance companies are not on your side. It is all about making huge profits. Here at Dents and Dings we have no interest in trying to repair YOUR vehicle the way the insurance company would like your vehicle repaired because the Insurance companies are not in the business of repairing vehicles. Their only job is to indemnify you for your loss. PERIOD!
Consumer Information Links and Forms
File a complaint with the Dept of Insurance
Consumer Services | Department of Insurance, SC - Official Website
Auto Insurance Arbitration Flyer
Link to Flyer - South Carolina Department of Insurance
Know Your Rights
Definition of indemnifytransitive verb
1: to secure against hurt, loss, or damage
2: to make compensation to for incurred hurt, loss, or damage
Most insurance policies state that you will accept aftermarket parts of the same quality, fit and finish. Aftermarket parts are replacement parts for car repairs that are made by a company other than the car's original manufacturer. The aftermarket company will take the Original Equipment manufacturer ( OEM ) I.E Honda, General Motors, Ford etc. parts and reverse engineer them. While you are under a binding contract with your insurance company that you will accept aftermarket parts but in most cases the aftermarket parts do not have the same quality, fit and finish as the OEM parts, but the try to pass them off as the same. Where the issue lies is that not only may the parts not fit the way that they are suppose too but a lot of the parts are could be a structural part of your vehicle. And with no proof of the part being equal to the OEM for the majority of the parts.
The insurance companies even decided to create their own type of certification company for parts that they want to put on your vehicle. The Certified Automotive Parts Association (CAPA). The part(s) are certified to be of the same quality, fit and finish as the parts that were installed on your vehicle from the OEM. Well that would be fine in a perfect world and since we can't take the word of a third party ( an insurance company) that has no experience on building vehicles, much less crash testing parts then they need to supply proof that the parts that they are certifying are made of the same type of material, hardness, coatings ,corrosion protection etc. used to replace that part. And last but not least can they show proof that the part that they are willing to certify will hold up in a crash the exact same way that the OEM intended it to them to hold up? which is exactly why they refuse to supply any type of data to the general public to support their made up certifications. You can also sign up to be on an email list to receive weekly or monthly emails that contain a decertification of parts that are being removed from their certification list. So now you could effectively be driving around with your loved ones with parts on your vehicle that have been discovered to have a know issue(s) that no one will contact you about because they don't mind trying to force putting their so called certified parts on but we won't let you know about the issue or reason why we decertified the part in question.
The National Highway Traffic Safety Administration (NHTSA) which is an agency of our federal government holds the OEM to a higher standard and grades each vehicle and gives it a crash rating so we as the consumers understand how safe the vehicle is when its involved in an accident. The OEM's perform thousands of crash test per year to test the safety of their vehicles and yet it's ok to possibly change the outcome of that accident by allowing insurance companies to install fake or counterfeit parts?
Insurance Institute for Highway Safety (IIHS) perform 90-150 crash tests a year to study the effects and crashworthiness of a vehicle but yet the insurance companies still insist on using aftermarket crash parts knowing that it would cost more in the end.
Another thing to think about is what if the vehicle that you own already doesn't have a high crash test rating from IIHS and you were involved in a accident. Would you still feel very safe accepting aftermarket crash parts to repair your vehicle back to pre-accident condition?
Now more than ever it is vital that you choose an insurance company that will actually stand behind you when you need them most.
The insurance companies seem to change daily on how they choose to take care of you.
If you've had the same insurance company for as little as 2 years then that insurance company may not be willing to stand behind you in the manner that you feel they should.
A lot of Insurance companies at one time or another took great care of their customers. But times are changing very quickly where more and more of them are only concerned with how little can be spent on the claim with little to no regard on safety or quality. The Automobile manufacturers have never produced a vehicle before that has put so much focus on safety. It's mind-boggling how much technology is being put into today's vehicles. That's why it's more critical than ever to ensure that these vehicles are repaired back to as close to pre-accident condition as humanly possible.
The Vehicles of today are nothing more than giant rolling computers and must be treated with more care than ever before.