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1 8 Best Extended Car Warranty Companies (December 2022)
https://wallethub.com/edu/ci/best-car-extended-warranty/11157
These extended warranty companies rank highest due to a combination of low prices, varied coverage options, and strong ratings from industry watchdogs.
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2 Automotive Aftermarket Insurance - Zurich North America
https://www.zurichna.com/insurance/zpm/automotive
Zurich's Automotive aftermarket insurance program is designed for body collision auto repair or services shops.
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3 Aftermarket car parts and insurance - CarInsurance.com
https://www.carinsurance.com/aftermarket-parts.aspx
Got a $5000 car with $10000 worth of aftermarket parts? Unless you buy the right types of car insurance, you're probably not covered.
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4 10 Best Extended Car Warranty Companies of 2022 (With Costs)
https://www.marketwatch.com/picks/guides/finance/best-extended-car-warranty/
Our Top Picks for the Best Extended Car Warranty Providers · #1 Endurance: Most Comprehensive Coverage · #2 Carchex: Great Industry Reputation · #3 ...
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5 Best Auto Insurance Companies That Don't Force You to Use ...
https://www.4autoinsurancequote.com/best-auto-insurance-companies-that-dont-force-you-to-use-refurbished-parts/
Insurance companies tend to gravitate towards using refurbished and aftermarket parts to save on repair costs of vehicles. However, some insurance owners ...
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6 Best Car Warranty Companies of November 2022 - Motor1.com
https://www.motor1.com/products-services/auto-warranty/best-car-warranty-companies/
5 Things To Look For In The Best Aftermarket Warranty Companies. If you'd like aftermarket car warranty coverage, shopping for quality options ...
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7 Best Car Warranty Companies | Cars.com
https://www.cars.com/explore/insurance/best-car-warranty-companies/
They're also legally required, whereas aftermarket car warranties are ... Contracts by these companies are backed by American Bankers Insurance Co. of ...
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8 Automotive Aftermarket
https://www.arrowheadgrp.com/products/automotive-aftermarket/
Insurance Agency, Inc. 701 B Street, Suite 2100. San Diego, CA 92101. CA License #0699809. © 2022 Arrowhead General Insurance Agency ...
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9 5 Best Extended Car Warranties of 2022 - Money
https://money.com/best-extended-car-warranties/
Additionally, most companies featured on our list offer added perks such as 24/7 roadside assistance, towing, tire replacement or repair, locked ...
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10 Will Insurance Cover Aftermarket Parts? | Adam S. Kutner ...
https://www.askadamskutner.com/auto-accident/insurance-for-aftermarket-parts/
Yes, you can add insurance coverage for aftermarket parts. However, it's often expensive, and it may not be available through a typical car insurance company.
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11 Best Car Warranty Companies For 2022 - Forbes
https://www.forbes.com/wheels/advice/best-car-warranty-companies/
Here, we evaluate some of the best aftermarket warranty companies. ... banks and insurance companies, including Liberty Mutual and SafeAuto.
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12 10 Best Extended Car Warranty Companies in 2022 - Car Talk
https://www.cartalk.com/extended-warranties
Mercury Insurance Company has been in business since 1961. ... CarShield is a company that offers an aftermarket warranty on your car, ...
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13 Don't Let Your Auto Insurance Company Steer You From ...
https://www.ncconsumer.org/news-articles-eg/dont-let-your-auto-insurance-company-steer-you-from-genuine-parts-and-glass-to-questionable-aftermarket-parts.html
Some auto Insurance companies want you to accept aftermarket auto parts in order to save money on the insurance claim · OEM parts are usually ...
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14 Do I Need Special Auto Insurance Coverage If I Modify My Car?
https://www.valuepenguin.com/special-auto-insurance-coverage-for-car-modifications
Supplemental Coverage: Many insurers offer endorsements that provide supplemental coverage for modifications and aftermarket components.
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15 Can My Insurance Force Me to Use Aftermarket Parts?
https://www.dspaintandbodyshop.com/can-my-insurance-force-me-to-use-aftermarket-parts
Aftermarket parts are built by other companies in an attempt to give consumers different and often more affordable replacement part options.
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16 Can Insurance Companies Force You to Use Aftermarket Parts?
https://attorneybrianwhite.com/blog/can-insurance-companies-force-you-to-use-aftermarket-parts/
Contact an expert injury attorney if an insurance company is trying to force you to use aftermarket parts for your vehicle repair. Your ...
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17 Endurance® Extended Car Warranty Pays For Auto Repairs ...
https://www.endurancewarranty.com/
Get an extended car warranty and stop paying for costly car repairs! Other auto warranty companies can't compete with Endurance's A+ BBB rating and reviews.
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18 Can you get aftermarket parts during an insurance claim? - Jerry
https://getjerry.com/questions/can-you-get-aftermarket-parts-during-an-insurance-claim
"You *may* be able to request aftermarket parts during an insurance claim, but there's no guarantee you'll get them. In the event of an accident, your ...
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19 Best Extended Car Warranty of November 2022 - Jalopnik
https://jalopnik.com/advisor/best-extended-car-warranty/
The company is backed by an A-rated insurance company and is fully capable of ... Unlike many aftermarket extended car warranty providers, ...
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20 211 CMR: DIVISION OF INSURANCE - Mass.gov
https://www.mass.gov/doc/211-cmr-13300-standards-for-the-repair-of-damaged-motor-vehicles/download
(2) When an insurance company specifies the use of used, rebuilt, or aftermarket parts, the source and specific part(s) must be indicated on the appraisal.
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21 What Types of Car Parts Are Used in Insurance Claims?
https://www.thebalancemoney.com/how-to-get-oem-parts-for-an-insurance-claim-527408
Insurers prefer aftermarket parts in order to keep costs down, while body shops prefer OEM parts so they can make more of a profit on ...
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22 632.37 - Wisconsin Legislature
https://docs.legis.wisconsin.gov/document/statutes/632.37
An insurer that issues a motor vehicle insurance policy covering the repair or replacement of motor vehicle glass may not require, as a condition of that ...
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23 Does car insurance cover aftermarket parts?
https://www.insuranceproviders.com/do-aftermarket-parts-affect-insurance/
Insuring aftermarket parts can be tricky. Most states have no regulations governing how insurance companies cover these parts. In a claim ...
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24 Best Auto Insurance Companies That Offer OEM Parts ...
https://www.autoinsurance.org/best-auto-insurance-companies-that-offer-oem-parts-coverage/
OEM insurance guarantees that your car repairs will use original parts instead of aftermarket pieces · Older cars don't usually qualify for OEM ...
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25 Types of Car Insurance Coverage & Policies
https://www.farmers.com/auto/coverage/
Covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels · Available on any vehicle with collision and ...
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26 Protect My Car: Extended Car & Auto Warranties
https://www.protectmycar.com/
Blue and orange shield with PMC initials inset and company ... Warranty With Protect My Car Can Save You A LOT Of Money On Your Extended Warranty Coverage.
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27 Minnesota Insurance Rights - Buerkle Body Shop -
https://www.buerklebodyshop.com/accident/minnesota-insurance-rights/
Know your rights with your insurance agency in case of an accident. ... If you agree, you may choose aftermarket parts for your collision repair.
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28 Total Loss Auto Claims with Your Insurance Company
https://www2.illinois.gov/sites/Insurance/Consumers/ConsumerInsurance/Auto/Pages/total-loss-auto-claim.aspx
Repair the damaged property. Pay for the loss in cash. Department regulations require the company to follow certain standards for each option. Replacement If ...
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29 Your California Auto Rights - Crocketts Premier Auto Body
https://www.crockettspremierautobody.com/your-rights/
We work with all insurance companies, including yours, so that you have even ... manufacturer (non-OEM) Replacement crash parts for the repair of my car?
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30 Filing an Auto Damage Claim with Your Own Insurer - NJ.gov
https://www.state.nj.us/dobi/ins_ombudsman/wysk1.htm
If you file a first party claim, your insurance company will either pay to ... While New Jersey regulations do permit the use of after-market parts as long ...
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31 Auto Replacement Parts | State Farm®
https://www.statefarm.com/claims/auto/replacement-parts
State Farm Insurance and Financial Services, Celebrating 100 years ... New non-OEM parts are manufactured by a company other than the manufacturer of the ...
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32 Gold Standard Automotive Network | Better Coverage. Better ...
https://goldstandardautomotive.com/
Introducing a different type of coverage. ... The Better Business Bureau is a non-profit corporation that seeks to ... Front wiper blades replacement ...
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33 13 Reasons Why Your Warranty Claim was Denied - autopom
https://www.extended-vehicle-warranty.com/warranty-claim-denied/
Your aftermarket automobile warranty claim may be denied if… ... If the vehicle was “written off” by an insurance company because it was in ...
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34 My insurance company wants to fix my car with aftermarket parts!
https://www.beckinsurance.com/my-insurance-company-wants-to-fix-my-car-with-aftermarket-parts/
I have an insurance claim on my car and the insurance company wants to use aftermarket parts, is that ok? Ok, listen…different auto insurance ...
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35 STATE OF OKLAHOMA
http://www.oklegislature.gov/cf_pdf/1991-92%20INT/hb/HB2075%20INT.pdf
No insurer shall specify the use of non-original equipment manufacturer aftermarket crash parts in the repair of an insured's motor vehicle, nor shall a ...
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36 CNA National Warranty Corp | Industry-Leading F&I Provider
http://www.cnanational.com/
... you have a total loss and your insurance company does not cover you 100%.* ... broad array of products with different levels of coverage, plus unmatched
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37 Frequently Asked Questions1 - NH.gov
https://www.nh.gov/insurance/consumers/documents/auto_repair_facil_faq03.09.18.pdf
insurance companies is grounded in the New Hampshire insurance ... and RSA chapter 407-D (After Market Parts) (available at.
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38 Hot Rod and Custom Car Insurance - Nationwide
https://www.nationwide.com/personal/insurance/auto/classic-car/hot-rod/
Products underwritten by Essentia Insurance Company. All coverage is subject to policy provisions, exclusions and endorsements. Some coverage may not be ...
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39 General Laws of Rhode Island Section 27-10.2-2 (2018)
https://law.justia.com/codes/rhode-island/2018/title-27/chapter-27-10.2/section-27-10.2-2/
Chapter 27-10.2 Motor Vehicle Replacement Parts ... (b) No insurance company may require the use of aftermarket parts when negotiating repairs with any ...
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40 Better Car Replacement Insurance | Liberty Mutual
https://www.libertymutual.com/vehicle/auto-insurance/coverage/better-car-replacement
With Better Car Replacement coverage from Liberty Mutual, get a car that is one model year newer and has 15000 fewer miles than your current car in the ...
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41 Your Insurance Coverage | Crash Repair Info
https://crashrepairinfo.com/your-insurance-coverage
Insurance companies are stepping up their specification of non-OEM (Original Equipment Manufacturer) parts (salvage and aftermarket parts) on repair estimates.
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42 Am I entitled to new parts to repair my vehicle after my car ...
https://braunslaw.com/faqs/car-repairs-and-oem-parts-after-your-car-accident/
Once the insurance company agrees to pay your property damage claim, ... Aftermarket crash parts are imitation sheet metal, plastic, or lamp parts that are ...
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43 Navigating the Auto Repair Maze after an Accident
https://www.dulaneylauerthomas.com/library/navigating-the-auto-repair-maze-after-an-accident.cfm
Once you've hashed out where your car will be repaired, you should find out if the insurance company requires the use of aftermarket or OEM (original equipment ...
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44 National Truck Protection -
https://www.ntpwarranty.com/
*Source: Actual claims paid by National Truck Protection Co. ... Aftermarket extended warranties offer a variety of programs that cover repair costs for ...
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45 iA American
https://www.iaawg.com/
The team at iA American designed a custom-tailored plan to meet the needs of our business here at Bill Penney Toyota. Their fresh approach to reinsurance ...
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46 Auto Insurance - State Corporation Commission - Virginia.gov
https://www.scc.virginia.gov/getattachment/93774df3-1375-4978-8e58-1887da4944d3/autoguide.pdf
have a problem with your insurance company or agent. Sincerely,. Scott A. White ... repair or replacement of your auto regardless of who is at fault.
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47 Insurance Coverage for Aftermarket Auto Parts
https://www.cavinsurance.com/blog/insurance-coverage-for-aftermarket-auto-parts/
A company might build custom cars that require special parts not ... An insurer often includes aftermarket parts for repair estimates if it ...
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48 Section 1345.81 - Ohio Revised Code - Ohio Laws
https://codes.ohio.gov/ohio-revised-code/section-1345.81
(B) Any insurer who provides an estimate for the repair of a motor vehicle based in whole or in part upon the use of any non-OEM aftermarket crash part in ...
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49 Revised Statutes of Missouri, RSMo Section 407.295 - MO.gov
https://revisor.mo.gov/main/OneSection.aspx?section=407.295
Motor vehicle repairs, aftermarket crash part, defined — requirements — disclosure to ... (2) "Insurer", an insurance company and any person authorized to ...
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50 Custom Insurance Agency: Home
https://custominsuranceagency.com/
Home insurance Auto insurance Personal insurance Life insurance Business insurance agency Shelby Twp Macomb Oakland county 48315.
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51 Vehicle Modifications You Should Really Tell Your Insurance ...
https://www.accurateautoadvice.com/insurance/vehicle-modifications-tell-insurance-company/
If you install a lift mechanism or lower the body, the insurance company needs to know about that, too. Sometimes simply installing aftermarket parts to the ...
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52 Auto Claims FAQs | PFR Insurance - Maine.gov
https://www.maine.gov/pfr/insurance/frequently-asked-questions/auto-claims
Do I have to accept aftermarket replacement parts or used parts? Insurers are not ... Their insurance company will not pay for some (or any) of my damages.
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53 Best Extended Car Warranty Companies of 2022 - Automoblog
https://www.automoblog.net/research/warranty/best-extended-car-warranty/
If you're considering purchasing an aftermarket auto warranty for a new or used vehicle, you'll want to learn more about coverage and costs. In ...
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54 120-2-52 Fair and Equitable Settlement of First Party Property ...
https://rules.sos.ga.gov/gac/120-2-52
Notification of a claim given to an agent of an insurer shall be ... price of nonoriginal manufacturer aftermarket crash parts may be used by insurers to ...
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55 Illinois Statutes Chapter 215. Insurance § 5/155.29 | FindLaw
https://codes.findlaw.com/il/chapter-215-insurance/il-st-sect-215-5-155-29.html
No insurer shall specify the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle, nor shall any repair facility or installer ...
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56 Glossary Of Insurance Terms And Definitions - GEICO
https://www.geico.com/information/insurance-terms/
See Claim Examiner or Auto Damage Adjuster. Adverse Carrier. Term used to refer to the other party's insurance company. After-Market Parts. See Competitive Auto ...
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57 Auto Warranty vs Vehicle Service Contract - CarShield
https://carshield.com/auto-warranty/
Car warranty companies make a lot of money from the sale of their extended warranty products. One simple reason for this is that, like any good insurance ...
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58 The 2022 Florida Statutes - Online Sunshine
http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9743.html
(b) The insurer may elect to offer a replacement motor vehicle that is a specified comparable motor vehicle available to the insured, including sales tax if ...
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59 New Car Replacement Insurance: What to Know - The Zebra
https://www.thezebra.com/auto-insurance/coverage/new-car-replacement-insurance/
New car replacement insurance covers the cost of replacing your totaled vehicle with the same vehicle in the event of a covered loss. In order to qualify for ...
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60 So You've Had an Accident, What's Next?
https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/hadaccident.cfm
Q. How does the insurance company evaluate vehicle damage? ... For example, there is usually no or limited coverage for enhanced aftermarket stereo ...
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61 Insured Motorists Rights in Wisconsin
https://wcrp.pro/insured-motorists-rights-in-wisconsin/
Information to assist you in handling a claim with your insurance company ... or replacement of motor vehicle glass under a motor vehicle insurance policy.
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62 Portfolio Protection Vehicle Warranties & Services | Portfolio
https://us.portfolioco.com/
Portfolio has been delivering quality aftermarket vehicle warranties and service ... Aligned with top rated insurers, Portfolio provides protection for your ...
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63 New Car Replacement Coverage - Travelers Insurance
https://www.travelers.com/car-insurance/coverage/new-car-replacement
Many other insurers offer coverage for just the first two or three years. What Does Premier New Car Replacement Cover? Premier New Car Replacement is a coverage ...
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64 Best Extended Car Warranty Companies of 2022
https://www.consumeraffairs.com/auto_warranty/
All Endurance warranty plans come with a year of Elite Benefits, including roadside assistance, key fob replacement, coverage for repair or ...
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65 AUTO INSURANCE MYTHS
https://dfr.oregon.gov/help/Documents/topten-auto-myths.pdf
The insurance company has to pay for new factory parts to fix my car. Actually, it doesn't. Insurance companies can opt for aftermarket or recycled parts ...
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66 Are you entitled to brand-name car repair parts? Know your ...
https://www.insure.com/car-insurance/oem-parts-rights.html
Car insurance companies often use aftermarket auto parts in order to hold down repair costs.
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67 Replacement Cost Plus for Personal Auto - Cincinnati Insurance
https://www.cinfin.com/personal-insurance/products-overview/auto/replacement-plus
Replacement Cost Plus for Personal Auto coverage from The Cincinnati Insurance Company pays the higher of the amount necessary to replace your new vehicle ...
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68 Aftermarket Crash Parts Regulation
https://publications.tnsosfiles.com/rules/0780/0780-01/0780-01-59.pdf
(2) “Insurer” includes an insurance company and any person authorized to represent the insurer with respect to a claim. (3) “Non-OEM” means aftermarket ...
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69 olive® Extended Car Warranty Solutions | Pays Your Auto ...
https://olive.com/
Easy Monthly Payments for Mechanical Breakdown Insurance in California ... You deserve an affordable vehicle repair plan from a company that has your back.
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70 Car Accident Vehicle Damage: Your Auto Repair Options - Nolo
https://www.nolo.com/legal-encyclopedia/car-accident-vehicle-damage-your-auto-repair-options.html
And keep in mind that whichever insurance company ends up bearing ... that insurer will only pay for repairs/replacement of your vehicle up to policy limits ...
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71 Modified Car Insurance - Policygenius
https://www.policygenius.com/auto-insurance/car-insurance-for-modified-cars/
Many insurance companies offer “custom parts and equipment coverage” to protect your modifications if they are damaged in an accident.
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72 Mechanical Protection - Mercury Insurance
https://www.mercuryinsurance.com/insurance/mechanical-protection/
warranty and it has already paid for itself after having very unexpected issues with my “new truck”. Thank you for being one of the few companies that stand by ...
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73 AulCorp: Home
https://aulcorp.com/
... Key Replacement, Scratch Protection and Emergency Roadside Assistance. ... A rated insurance backing. Backed by an A-rated insurance company.
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74 New Car Replacement | Allstate Auto Insurance
https://www.allstate.com/auto-insurance/car-replacement
But, if the unexpected happens and it gets totaled in an accident, optional new car replacement coverage can help. If your car is two model years old or ...
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75 Know Your Insurance - Clarkston Auto Body
https://clarkstonautobody.com/ortonville-mi-auto-repair-insurance/
If the insurance company is paying for aftermarket replacement parts during a repair there are a few options for you the vehicle owner. Insurance providers will ...
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76 Best Home Warranty Companies of 2022 - USNews.com
https://www.usnews.com/360-reviews/services/home-warranty
Home warranties aren't required to own a home nor are they a replacement for homeowners insurance. A home warranty usually covers repairs ...
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77 Automobile Liability Insurance
https://www.mid.ms.gov/consumers/auto-liability-insurance.aspx
By law, the most an insurance company shall be required to pay for the repair of the vehicle or repair or replacement of the glass is the lowest amount that ...
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78 Does Car Insurance Cover Replacement Parts? - Experian
https://www.experian.com/blogs/ask-experian/does-car-insurance-cover-replacement-parts/
The decision to use aftermarket parts doesn't typically arise during the repair estimate process. In fact, the auto insurance company likely ...
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79 Previous Section (31A-22-319) - Utah Legislature
https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S319.html
Unless the insured is given notice in writing an insurer may not specify the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle.
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80 How Replacement Cost Insurance Works | Hippo
https://www.hippo.com/learn-center/replacement-cost-insurance/
Luckily, most homeowners insurance policies include replacement cost insurance. This comprehensive type of coverage within your policy pays you to repair or ...
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81 Home — GWC Warranty
https://gwcwarranty.com/

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82 Should You Get an Extended Warranty for Your Car?
https://www.consumerreports.org/car-repair/get-an-extended-warranty-for-your-car-a1570471227/
... auto clubs, and insurance companies (which sometimes call them ... And the small print truly matters, because aftermarket programs have ...
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83 Auto Insurance - American National
https://www.americannational.com/wps/portal/an/menu/insurance/auto
Aftermarket is not an afterthought. We'll cover up to $2,000 of customized equipment on your vehicle with our Comphrehensive & Collision Coverage.
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84 Georgia's Aftermarket Parts Rule - Wreck Check Atlanta
https://wreckcheckatlanta.com/georgias-aftermarket-parts-rule/
If an insurer includes non-original manufacturer aftermarket crash parts in its repair estimate, the insurer shall notify the insured in writing as follows:.
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85 Modified car insurance : A guide to insuring your custom car
https://www.insurance.com/modified-car-insurance
Best car insurance companies for modified vehicles · Allstate: Provides coverage for classic cars more than 25 years old. · Esurance: Offers ...
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86 How Car Insurance Companies Value Cars - Investopedia
https://www.investopedia.com/articles/personal-finance/100215/how-car-insurance-companies-value-cars.asp
Replacement insurance and gap insurance can eliminate those hazards but are costly additions. Understanding Car Insurance Claims Valuations. When you report a ...
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87 Aftermarket Warranty: Same Coverage, Different Name
https://www.carchex.com/content/aftermarket-warranty/
What is an aftermarket warranty, and what does it cover? A 2018 Pegasystems Inc. survey found that 62% of drivers with active car warranties ...
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88 Automobile Insurance Resources - Big I Tennessee
https://www.insurors.org/automobile-insurance-resources/
(1) No insurer shall specify directly or indirectly the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle without disclosing ...
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89 Will My Auto Insurance Provider Repair my Car with Quality ...
https://www.insurancequotes.com/auto/auto-insurance-car-parts
Nevertheless, auto insurance companies generally believe aftermarket parts are just as good as OEM parts. If you want to guarantee OEM parts, you'll have to dig ...
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90 Does Car Insurance Cover Windshield Replacement? | Bankrate
https://www.bankrate.com/insurance/car/windshield-replacement/
Insurance companies may have a full glass coverage add-on available in many states that you can purchase in addition to comprehensive insurance.
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91 Consumer Bill of Rights - Superseded by Commissioner's ...
https://www.tdi.texas.gov/rules/bor-auto-english.html
You have the right to choose the repair shop and replacement parts for your vehicle. An insurance company may not specify the brand, type, kind, ...
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92 F&I Automotive Aftermarket Products & Services Provider of ...
https://agws.com/
F&I Automotive Aftermarket Products & Services Provider of Extended Warranties. Vehicle Service Contracts that ... American Guardian Warranty Services, Inc.
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93 Am I Entitled to OEM Parts After a Florida Car Accident?
https://www.jimdodsonlaw.com/library/am-i-entitled-to-oem-parts-after-a-florida-car-accident-.cfm
But, many insurance companies will only cover the cost of aftermarket or non-OEM parts when repairing vehicles because OEM parts are really expensive. When you ...
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94 AUTOMOBILE INSURANCE - NC.GOV
https://files.nc.gov/doi/documents/consumer/publications/consumer-guide-to-automobile-insurance_cau1.pdf
A request to an insurance company for payment of a loss. COVERAGE ... The likelihood of theft, cost of repair and replacement, and the style of vehicle.
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95 Claims Support - Ally Premier Protection
https://www.ally.com/auto/vehicle-protection/claims-support/
A Full Insurance Valuation Report showing how the insurance company determined the Actual Cash ... Example Aftermarket Products: Vehicle Service Contract, ...
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96 Title 27 Insurance - State of Rhode Island General Assembly
http://webserver.rilin.state.ri.us/Statutes/TITLE27/27-10.2/27-10.2-2.htm
Aftermarket parts — Time limit prohibition. (a) Whenever an insurance company, in adjusting a claim for motor vehicle physical damage, intends to specify ...
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97 WAC 284-30-390: - WA.gov
https://app.leg.wa.gov/wac/default.aspx?cite=284-30-390
(b) If the insurer pays less than the amount of the estimate from the claimant's ... to repair and replacement during the useful life of the loss vehicle.
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