So you get your estimate for repairs. As you are reviewing it, you notice symbols and abbreviations that mean something, but what? Let's talk the basics of parts terminology.
OEM: Original Equipment Manufacturer. This is a part designed by the vehicle manufacturer, aka FACTORY. Many times, insurance will only pay for OEM replacement parts on vehicles up to a certain age. As a customer, you always have the right to request OEM parts. This is one point to discuss with your agent when it's time for your policy renewal!
Aftermarket: These are parts produced by companies other than factory. When reviewing your estimate, you may see A/M or LKQ (like kind and quality). In general, aftermarket parts are held to very similar standards as their OEM counterparts. Before using any aftermarket parts, the technicians at Jimmy Mack Customs inspect all the components to ensure the replacement will function and perform like an OEM part, in terms of fit, finish and safety.
Recycled: A recycled part is a used part that has been removed from another vehicle. The use of recycled parts is common in vehicles that are older or not very common.
Reconditioned: A reconditioned part is one that has been repaired or rebuilt to appear like a new OEM part. This is quite common with bumpers, headlights, and radiators.
Insurance policies vary. Some allow for OEM replacement parts in every repair. Others only allow OEM replacements based on the age of the vehicle, while others only allow for aftermarket parts.
The use of OEM also depends upon whether you are the insured or the claimant in a two-party accident. If the customer is the insured, the use of OEM parts is dictated by the insurance policy. If the customer is the claimant, your personal policy does not apply and you may have to work with the other party's insurance.
In any situation, Jimmy Mack Customs will advocate for the best repair possible for our customers. We work with all insurance companies to ensure that when a vehicle leaves our shop, the fitment and function of every part is accurate and safe.
Being in a collision can be extremely stressful. From filing a claim to finding the right body shop for your repairs, the entire ordeal can be quite time-consuming as well. At Jimmy Mack Customs, we are here to help ease the entire process!
The state of North Dakota does not require more than one estimate for vehicle repairs; however, state law also does not prohibit an insurance company from requesting more than one. With this in mind, your insurance company CANNOT dictate where you take your vehicle for repairs.
The company may use one of three methods to determine the amount they will pay on your claim. The company may elect to settle your claim based upon the lowest of the estimates you have provided them. However, if you have the repairs done at the shop with the higher estimate, you could be responsible for the additional costs. The second method of settlement is to have the company adjuster prepare an estimate that you may take to any shop you desire. Generally, a body shop will work with the insured and negotiate rates for you. The third method involves you voluntarily agreeing to take the vehicle to a shop that your company has a special agreement with, known as a preferred shop. The company has agreed to let the preferred shop prepare the estimate and complete the repairs. Jimmy Mack Customs works with ALL insurance companies, and we prepare our estimates keeping what's best for the customer in mind!
Jimmy Mack Customs utilizes CCC One estimating software. One of the perks with this product is the OpenShop portal, which allows us to communicate directly with many insurance companies and their claims departments. After writing the estimate, we can immediately send the estimate and photos to your insurance company, which expedites the entire claims process and gets our customers back on the road faster!
If the unfortunate strikes and you end up in a fender bender, Jimmy Mack Customs would love to help you through the repair process! No appointments are needed for an estimate. We are open Monday-Thursday from 8am until 5:30pm, and Fridays from 8am-3pm.
First off, thank you for visiting our webpage! It has been a while since it was last updated, and we think you will like the changes we have made. We will try to keep the gallery up-to-date with pictures as we complete jobs, so that our customers and website visitors can get a better feel of our work!
This blog page will mainly focus on vehicle information - tips to make your refinish last longer, upcoming events around our area, racing updates, info on industry standards, insurance information...you get the picture! If there is a topic you are interested in specifically, please feel free to contact us at email@example.com, and we will research your request. It is my personal goal to post on a weekly basis, to keep everyone in the know!