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Home-Slide, Latest News You Auto Know! ...and Tips, Q & A --You've Got Questions, We've Got AnswersAllstate, State Farm continue to raise rates, citing inflation, crash severity
News“keys, money, and an auto insurance bill”
Allstate and State Farm have continued to pursue significant auto insurance rate increases as they react to inflationary pressures and increases in auto accident severity.
Allstate, which reports its monthly auto rate actions on its investor relations page, said it implemented rate increases of 14.5% across eight locations, resulting in a total brand premium impact of 3.2%.
Since the start of 2022, the carrier has implemented 72 rate increases averaging 10.3% across 51 locations. The increases totaled $777 million in August and $2.5 billion year-to-date, according to Jess Merten, chief financial officer of Allstate Corp.
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Reconditioned Wheels: Your Safety Rides on Them
Home-Slide, Latest News You Auto Know! ...and TipsChoose Your Parts Wisely
Home-Slide, Navigating Collision & Auto Body Repairs, Q & A --You've Got Questions, We've Got AnswersOriginal Equipment parts can reduce time required for repairs
Everyone involved in the process—you the customer, the shop, and the insurer—wants you to get your car back as soon as possible. Several factors determine how long your car will be in the body shop for repairs. The two biggest factors are:
I have found that the use of OE or Original Equipment parts can help speed up repairs. Here are a few reasons why:
OE Parts Fit Properly.
A factory-made OE part fits properly. The technician can install the part quickly and correctly, moving on to the next operation. It is often hit-or-miss whether a non-OE part will fit properly. When a non-OE part does not fit, the technician must either take more time to attempt to make the part fit or order another part. Making a part fit can possibly compromise the quality of the repair and the final appearance of the vehicle. Ordering another part can cause a delay of a day or more.
Salvage Parts Must Be Prepped and Fitted.
Vehicle manufacturers do not recommend the use of salvage parts. Sometimes, however, the insurer specifies a salvage part for the repair. When this happens, the salvage part may need to be prepped before it is ready to be fitted to your car. In other words, this part may need to be reconditioned, have small dents removed, and have the paint completely sanded. This causes delays.
Multiple Suppliers Increases Parts Delivery Timeline.
The use of multiple non-OE parts suppliers may slow the repair process. Repairs commence only when all ordered parts have been delivered to the body shop. Sometimes the insurer will specify non-OE parts that must be sourced from one or more of their approved after-market manufacturers or surplus suppliers. Waiting on deliveries from multiple non-OE parts suppliers can cause delays.
Know, too, that you have the right to ask for OE parts. Most auto policies provide that the insurer will return your crashed vehicle to its pre-accident state with parts of “like kind and quality.” In the same fashion of keeping their profits as high as possible, insurers generally propose the use of less expensive non-OE parts. However, auto policies generally don’t exclude the use of OE parts, so don’t be shy about insisting.
Lastly, it’s important to remember, dealers routinely check the crash history of a vehicle to see what kinds of parts were used in its repair. Your resale or trade-in value might be hurt if non-OE parts are used.
Accident Do’s and Don’ts
Home-Slide, Latest News You Auto Know! ...and Tips, Q & A --You've Got Questions, We've Got AnswersHave You Been in an Accident?
Have you ever been in an auto accident? Most of us have – or will be. Statistically, it’s almost inevitable. The average person will be involved in an auto accident every seven to ten years.
If you are involved in an accident, here are some things you may want to consider doing. Keep in mind that many of these suggestions are required by state law:
Do
Don’t
Vehicle Recall Check
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