Insurance put on cheap driver's side mirror
#1
Insurance put on cheap driver's side mirror
Okay here is my problem, my wife took my 07 Stang to work, because her car wouldn't start due to the sub-zero conditions, and slid off the very icy road in the process. Very little damage, a cracked mirror, and a new front bumper... So I get my car back from the repair shop, beautiful job! Except for one small detail. I explicitly told them to use OEM parts, so they stick on a driver's side mirror with this phony looking mirror! Anyone know where I can get an OEM mirror relatively inexpensive so I can have the body shop re-do their work?
#6
An 07 Stang should have had OEM replacement pieces, not aftermarket junk. Look at your estimate and determine who is at fault, Insurance Adjuster or shop. In any case make notification in writing to both that repairs are not up to standard and you will be filing a claim for a supplement. Specify reason for claim and disatisfaction. YOU should not have to purchase anything...that is why you have insurance in the first place. Now...if the shop was trying to save you some cash on your deductible...then you may be out of luck!
#8
Your insurance policy is a contract, and whether or not the year of your vehicle has anything to do with the insurance companies 'right' to put a/m parts on your vehicle is stipulated in your policy.* Most states have laws where the insurance company is required to notify you if they're using a/m parts. Look on your estimate. The estimate should either list an OE part number, or state something like "aftermarket, quality replacement part, etc". A few years back, State Farm (the nation's largest insurer) got sued for using inferior a/m parts and since then, most insurance companies require from their vendors that the parts be 'certified' (CAPA, MQVP, etc). The certifications normally indicate that the part is equal to an OE part, and not "aftermarket junk". That said, a/m parts can still have fitment problems, and when they do it's the bodyshop's responsibility to notify the insurance adjuster that the part is not acceptable. When you get your car back, you should not be able to tell if an a/m part was used without looking at the stamping on the part. So, I wonder - how can you tell that the part used is aftermarket (ie - what's wrong with it) and have you notified your bodyshop?
*Individual state insurance laws may supersede the policy.
*Individual state insurance laws may supersede the policy.
#9
I can tell it is aftermarket just by looking through the mirror and by comparing it to the still intact passenger side mirror. If any of you have ever looked through a "cheap" mirror, the reflection looks VERY fuzzy and it was not like that before my wife's little mishap. So I looked at my estimate, and it looks as if the mirror came from a fly-by-night place called Smart Parts...? Anybody ever heard of them? Anyway it is definitely not an OEM part, it may be certified, but that doesn't mean that it fits my standards.
Last edited by 07VistaBlueStang; 1/6/09 at 07:41 AM.
#10
I got my drivers side mirror replaced from www.monsterautoparts.com As I recall, it was about $70 bucks shipped UPS. Fit and finish is excellent. It even accurately replicates the texture of the OEM plastic. The only piece you need to salvage from the old mirror are the three retaining nuts. PM me if you want pictures or have questions.
If you are really OCD about your car, then just buy through Ford.
If you are really OCD about your car, then just buy through Ford.
Last edited by sook; 1/6/09 at 08:56 AM.
#12
The difference between an aftermarket mirror and an OEM mirror is less than $20. Have the shop redo it or just pay out of pocket if they're gonna be @ssholes. My insurance didn't want to go OEM either but the Ford shop doing the work got me one (I was ready to buy it myself) and ate the difference since it was under $20. Thank you Oasis Ford of Old Bridge!
#13
I can tell it is aftermarket just by looking through the mirror and by comparing it to the still intact passenger side mirror. If any of you have ever looked through a "cheap" mirror, the reflection looks VERY fuzzy and it was not like that before my wife's little mishap. So I looked at my estimate, and it looks as if the mirror came from a fly-by-night place called Smart Parts...? Anybody ever heard of them? Anyway it is definitely not an OEM part, it may be certified, but that doesn't mean that it fits my standards.
I took it back to the body-shop where the young lad there gave me a look and carefully peeled the protective plastic off the glass...
#14
I've been having the same problem with my insurance company since I hit a deer back in November, which took a month to settle! if you didn't see my post, I needed a new hood, bumper, fender and headlight. the problem I ran into was my insurance company tried to get a GT-Take off hood, a refurbished headlight, and a "used" front bumper. the only thing brand spankin new OEM was the fender. after a month, I finally got the insurance company to go all brand new OEM parts.
FYI to everyone who owns a mustang and future reference in the event of an accident, make sure to "READ" the adjuster/estimate papers before submitting the car to a body/repair facility. it will tell you what parts the insurance company is trying to swing at you, (used, refurbished, take off, OEM, or aftermarket)
FYI to everyone who owns a mustang and future reference in the event of an accident, make sure to "READ" the adjuster/estimate papers before submitting the car to a body/repair facility. it will tell you what parts the insurance company is trying to swing at you, (used, refurbished, take off, OEM, or aftermarket)
Last edited by MaverickMLFD371; 1/7/09 at 05:30 AM.
#15
Reading this makes me thankful for my insurance company. When a deer hit me last summer, I took it to the adjuster (who happened to be the owner of an 05 Stang). He told me that due to my car's age (less than a year at the time) and perfect condition, only OEM parts would be used. After it was all said and done, I got a letter from the insurance co. telling me that they had reviewed my claim and determined that the damage wasn't sufficient to have long term impact on the value of the car. In other words, if there was significant damage they would have bought me a new car! I'm very satisfied with the way they handled my claim.
#16
This may sound stupid and please feel free to ignore me if I'm wrong but I had the same thing happen on an older Ford a few years ago...the reflection was a bit cloudy.
I took it back to the body-shop where the young lad there gave me a look and carefully peeled the protective plastic off the glass...
I took it back to the body-shop where the young lad there gave me a look and carefully peeled the protective plastic off the glass...
#17
I thought of that, no such luck though. Thanks for the pics Sook, I will be calling that body shop back. They sent me a survey of what I thought about their service... If I don't get anywhere with them it looks like I will go OEM as its just not worth the hassle.
#20
The difference between an aftermarket mirror and an OEM mirror is less than $20. Have the shop redo it or just pay out of pocket if they're gonna be @ssholes. My insurance didn't want to go OEM either but the Ford shop doing the work got me one (I was ready to buy it myself) and ate the difference since it was under $20. Thank you Oasis Ford of Old Bridge!
I think Oasis is now Able Ford... at least that is what the sign said yesterday when i passed by. I had good and bad experiences with Oasis with other cars. Let's just say they fixed what their mechanic totally screwed up. I wonder if they have changed owners. When I looked for my car, I got my Mustang from Fullerton in Somerville.
I sure would pay the extra to get OEM - when my car got hit back in the summer I got OEM for replacement parts. I guess it all depends on your insurance and what they stipulate.