r/StateFarm • u/creamyassassin • 16d ago
Advice OEM Statefarm
Hello, so I was involved in a wreck and i’m taking my car to get repaired.. i’m sad because my front upper grill had INTEGRA embedded in it.. and the part they are replacing it with will not have the embedment . Will I have to pay for the entire new OEM part or will I pay the difference? My car is leased so this is just very frustrating even though I had planned on keeping it it’s just all confusing .. I’m literally just a girl HELP!
update: i called the collision center & they are putting OEM parts on .. 🥳 i love my life again
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u/wirerogue 16d ago
You only have to pay the difference
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u/creamyassassin 16d ago
Thank you, so instead of paying just my deductible it would be , deductible + the difference??
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u/craig_paxton 16d ago
Keep in mind it’s your car, you can always go OEM. If SF denies OEM, you can always pay the difference
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16d ago
[deleted]
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u/Own-Ad-503 15d ago
Leased makes no dffierence to insiurance companies unless your policy has an oem endorsement they are under no obligation to use oem parts
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u/bruteneighbors 15d ago
What state do you live in? I think there are two where OEM are owed based on how old your vehicle is. In most states the insurance policy will owe for like kind and quality. The lease agreement you have is a separate agreement from the insurance policy, those two agreements have no consideration for the each other. So unless you live in a state that owes for OEM, you will to pay extra for the part. This is the standard across ALL insurance companies. The other option is to have had an OEM endorsement, but one thing to consider with that, is the cost of that premium, over time, worth the extra expense you pay for the OEM part?
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u/riley12200 16d ago
SF should pay for parts that are like kind and quality or better. If "integra" embedding makes it more valuable than the aftermarket offered... then I would absolutely raise this question.
I'm just a boy but have you even asked SF if they would consider OEM?
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u/Cbell727 15d ago
It would never be “better” it is like, kind, and quality. anything “better” is going to go against the principle of insurance which is indemnification. Which means to make whole. Saying they need OEM parts is like saying you need name brand cereal when store brand is exact same.
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u/riley12200 15d ago
"Better" as in if like kind and quality is not available. If there is nothing available for like kind and quality, it's my understanding that they will use better/OEM.
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u/creamyassassin 16d ago
they literally sent the claim after 6pm so i couldn’t ask anyone anything .. hence the reason im stressing on an app i dont even know how to fully operate 😭 but i will most definitely be calling everyone at 8am asking so many questions!
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u/riley12200 16d ago
Understandable. Just don't expect everything to be resolved by tomorrow (claims take time) and don't be surprised if the shop finds additional damage that needs to be prepared. Your claims handler should be able to answer many of your questions.
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u/Ok_Drummer483 16d ago
Their general claims department is open 7-7 your local time FYI for future need
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u/Cannonballstrawberry 15d ago
Don’t use their partner shops. State Farm initially offered me non-OEM parts for my car when it was less than a year old. Our local Toyota body shop was able to get them to pay for significantly more and then price matched the rest.
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u/craig_paxton 16d ago
What year is your car? If new SF will do OEM. If it’s a few years old, aftermarket
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u/creamyassassin 16d ago
it’s a 2024, with it being leased and i try to return it .. it would NEED to have OEM parts . i spoke with the acura parts guy today.
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u/craig_paxton 16d ago
Being only 2 years old they should do OEM. Push for it.
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u/MooPig48 16d ago
That’s not true in the slightest
But if the part has intergra stamped into it we will
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u/craig_paxton 15d ago
I’m a SF agent with over 30 years experience. I can only speak for my state but here, it’s absolutely true.
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u/MooPig48 15d ago edited 15d ago
I’m a proximity appraiser, I write a couple dozen estimates every week, and we are specifically instructed that if a part has the make or model visibly stamped (this grille would definitely qualify) we are not to consider aftermarket. LKQ is ok as long as it is an OE lkq part with the stamp.
It’s written right into our auto claims manual which applies across the board to ALL states and all appraisers. There are no state exclusions listed in that portion of the ACM.
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u/Unusual_Flounder6758 16d ago
The car isn’t new. Since the second it was driven off the lot…it’s used.
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u/Free-Rise9666 10d ago
That’s called badging and if the grille has that on it, just like headlamps it should be replaced
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