11/21/2025
Cold Hard Truth when choosing an insurance policy and carrier.
If you are buying healthcare insurance for your family you select your policy. Bronze , Silver, Gold. You evaluate, and YOU choose the plan with $100 co-pay, would you go to your doctor and expect the co-pay to be $20?
If you go to a fast food restaurant and you order a fast food value burger, would you expect a Delmonico in the bag?
Whens the last time you went to the supermarket and the cashier threw in a free bottle of wine, pork chops, and lobster tails ?
No.
Likewise , when you choose an auto insurance carrier and policy that has a $500 deductible with aftermarket parts that meet no certification or standards do you expect
Your insurance company to throw in upgraded parts for free? Or waive your deductible?
YOUR INSURANCE WILL ONLY PAY BASED ON THE POLICY AND LIMITS YOU CHOSE.
Insurance companies don’t just pay everything you want. And it is never a repair shops role to perform free labor and parts because your policy does not cover it and you don’t want to pay it .
This is why it is important to make sure your insurance policy is good for YOU and has the coverage that YOU need and YOU want . Make sure you understand the pros and cons to having rental coverage. Make sure you understand the difference between OEM and aftermarket and LKQ parts. Ask about OEM parts riders . Do not just agree with whatever your agent or broker says or whatever is cheaper. They get paid a commission make them explain it to you.
Cheap today, costs tomorrow .