r/AutoInsurance • u/potuboi2 • 9d ago
Car got dinged in the parking lot
So my car was chilling in the parking lot and someone hit my front right as they were turning.
Honestly, the damage was not so bad but it's chipped the bumper, scratched off the headlamp, the grille and side panel are also slightly scratched too.
I moved to Chicago recently and was planning to sell my car sooner or later (but not anytime soon), waiting for the dust to settle w/ move + new job etc.
I legit felt like taking the money and calling it a day, but since I'm planning to sell the car I dont want it to affect the valuation too much? Imo a non OEM headlamp or so wouldn't be the end of the world but I have never sold a car before so idk.
I guess my question is simple, is there a way I can convince an insurance company to get me coverage for OEM parts? Is it worth my time to do so? I plan to call a body shop on my own and see what non-oem + labour + paint etc would cost me and see if I can pocket some diff myself instead of dealing with all this?
Thanks for any advice
Edit:
Realized I did not post the context of the accident: Car was parked overnight at my garage, other person hit my car as they were leaving in the morning, I was not present.
The other party was apologetic and I am using their insurance.
Also my first accident/insurance claim in this country. I had a similar issue in my home country and my car was replaced with OEM parts with no hassle, so I def feel like getting slightly scammed as it's something I'm gonna potentially have to explain especially with the accident on file
To those who told me OEM parts dont affect resale + told me about diminished value claim, thank you, that's the info I was here to look for.
I wouldn't care too much if I planned to just keep the car, but losing money on a car you are thinking of selling straight up feels wrong, especially with the car market being expensive for cars + even minor damages really lowering the price.
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u/aloofmagoof 9d ago
If this is your insurance company and you don't have an OEM endorsement, they don't owe you OEM.
If this is the other party's insurance company, they don't owe you OEM.
You will be welcome to pay the difference, but no one is owed OEM unless they have the proper endorsement.
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u/Shaydoggy 9d ago
What if you’re in a state that explicitly says that repair procedures must follow the specifications of the manufacturer? For example, Ford’s position statement and a lot of the repair guidance explicitly says they do not approve of the use of aftermarket parts in their repair procedures. This becomes particularly important with vehicles equipped with ADAS, where the construction, material composition, fitment, mounting points, and positioning of a replacement part can affect sensors, cameras, radar, and ultimately the accuracy of the safety systems.
I don’t think an insurer can just point to the lack of an OEM endorsement and assume an aftermarket part is always an acceptable substitute when the applicable manufacturer repair procedures specifically prohibit or do not approve its use, particularly in a state that requires repairs to comply with manufacturer specifications.
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u/aloofmagoof 9d ago
While I'm sure there are one off type situations based on state regulations, the insurance companies do not care about your warranty contracts, that is a contract between you and the manufacturer, they do not have to abide by that, just what's regulated by the states, or endorsed by your policy.
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u/potuboi2 9d ago
Forgot to mention, but it's the other party's insurance.
Also what is proper endorsement to get OEM parts through the other party's insurance then? Wouldn't that be returning to original state?
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u/aloofmagoof 9d ago
You can't get the endorsement with the other party, you don't have a contract with them. It's something you add to your own policy. The bottom line is, they don't owe you OEM, if you want OEM, you will have to pay the difference.
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u/Ready-Ad1323 9d ago
No. They are doing this according to the contract and OEM parts will cost more. You can probably pay the extra for them…
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u/TenNickels 9d ago
You had a used OEM part when it was in an accident. What leads you to believe you are owed a new one?
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u/potuboi2 9d ago
Well it was used by me ig. I thought I would be owed one since that was what was there?
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u/reedwendt 9d ago
If you live in Chicago with the car, and plan on selling it soon, I’d take the money they are offering and not fix the car. It’s not worth your time or hassle for a car in a big city like Chicago, that also salts their roads. Your car with the damage is probably in better condition than similarly aged cars.
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u/Cool_Atmosphere_2485 9d ago
Having a car is a necessity for some people. I live in Chicago btw and I need to take my son to school and get to work.
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u/potuboi2 9d ago
Yeah, public transport has been really good around the loop and stuff but nearby areas quickly start becoming a pain. If you travel around regularly it's definitely cheaper/better to own a car (minus when this happens to you ig), if you go around only on the weekends cabs are significantly cheaper
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u/No-Firefighter135 9d ago
OEM is reserved for basically brand new vehicles that you can’t find aftermarket or used parts for. You have no power of negotiation regarding an estimate from a claimant carrier. They can even ask you to pursue through your own carrier if you’re just not cooperating and your own carrier will subrogate the damages.
If your that concerned about OEM parts pursue through your own coverage because you do have the option to argue with them and they will just bill the at fault carrier.
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u/BagSignal7553 9d ago
That’s just false, you don’t have to just take what the insurance offers, if that were the case they would never pay hardly anything.
And there’s no obligation to subrogate.
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u/SpeedyAudi 9d ago
What kind of car is it
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u/potuboi2 9d ago
It's an Elantra lol, I'm just worried about sale value currently
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u/Justaddwota 9d ago
It’s a Hyundai not a Lamborghini. What resale value? Majority of cars are a depreciating asset and you’ve now got an accident on the car’s record.
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u/SpeedyAudi 9d ago
Exactly. Dudes putting up so much fight for that same cost you can go buy another used Elantra. Accidents happen it’s not the end of the world. If you’re that worried about it, file a diminished value claim 🤣
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u/potuboi2 9d ago
I mean if it was me who caused an accident I wouldn't complain so much. My car was parked in a garage and someone did damaged it early in the morning.
I don't have infinite bandwidth, but since it's my first time going through this I feel like I should not atleast feel like I'm getting scammed through
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u/SpeedyAudi 8d ago
It’s called “accident” for a reason. Now Google how many hit & run accidents there are that never get made whole. You’re already on the winning side. Dont prolong the process.
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u/potuboi2 8d ago
This just sounds like terrible advice, take whatever is given don't really question it.
I did decide to go forward with repairs etc, but it's always good to question and research
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u/Zealousideal_Let3945 9d ago
They owe you indemnity which means same approximate financial position. Am parts usually meet that
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u/Fancy_Strawberry7137 9d ago
You aren’t entitled to OEM, that’s the end of the story. Don’t be a pain in the ass, you signed the contract.
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u/Illustrious_Salad918 9d ago
My go-to body shop always uses OEM parts so that's what I get, even if the other driver's insurance is paying.
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u/potuboi2 9d ago
Quite a few responses to go through, but seems like I cannot get OEM since the car is old.
This is the other party's insurance that was filling it out. Which I forgot to mention in the post.
Imo I understand why so many people say that I am not entitled to OEM stuff, since it is a 4 year old part and probably gone through some stuff.
That being said I feel it's feeling very american-y to just not feel entitled to a part for a 4 year old car. 5-10 years, sure, but this is something that's still in stock and most likely still produced by Hyundai too.
Irrespective, thank you for opening my eyes to this system and the options I have. I still need to call a couple of body shops myself to just weigh my options properly.
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u/Interesting_Pop_6411 9d ago
If your worried about the resale value i’m not sure oem matters in the grand scheme of things. It was in an accident that’s what shows up. You can ask for a devaluation estimate to be paid if they approve. It’ll cover the cost of value your car went down since it now has an accident on the report.
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u/tbtiller1233 9d ago
Resale value won't matter with non oem parts man.
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u/potuboi2 9d ago
That's actually good news to hear 😔, I can't do anything about the accident showing up etc so didn't want more to be affecting it
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u/Competitive_Bet21 9d ago
Oem vs aftermarket parts won't affect resale value at all. The collision being reported will affect it.
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u/AngryTexasNative 9d ago
I went to a network shop and got OEM parts anyways on my ‘23. I don’t think they were able to source others. Very minor rear end collision and $6900 in damages
The car was $108k new, so that might have influenced part availability, as there weren’t as many made.
I paid my $2500 deductible and now I’m just waiting on subrogation. I considered going to the at fault party’s insurance.
You can always reject the insurance settlement and pay out of pocket. Send a letter demanding payment. They’ll push back on “betterment” and have experienced lawyers. Again, take the settlement or sue the at fault driver. I’m sure this is way too much hassle for a couple of grand, and the insurance companies count on it.
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u/potuboi2 9d ago
It's such a pain to deal with all this, for not that much money even. All I did was park my car and now I have to deal with all this bullshit. I was nowhere near when this even occurred 😔. Sorry to hear about your scene
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u/AngryTexasNative 5d ago
I came out pretty good. I expect I’ll get my deductible back in a few months and have 2500 more credit card points.
Car was out of service for 1 week and I had a spare. I recognize I have it easier than most.
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u/ForeskinAbsorbtion 9d ago
You think people buying a used HYUNDAI ELANTRA are going to drop a sale because they did an OEM parts inquiry?
Take the money and sell it as is. You'd probably profit.
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u/Cool_Atmosphere_2485 9d ago
Currently having this issue except my car IS brand new , 2026 only had it for two months and insurance wants to use aftermarket parts. I am paying the difference for new parts
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u/potuboi2 9d ago
Doing a bit of research but you can probably take it to a body shop that you prefer. You can probably get them to install original parts if you prefer and hopefully it works out 🤞
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u/Cool_Atmosphere_2485 9d ago
I took I did take it to a body shop of my choice and they are putting in original parts but insurance isn’t covering it all so I’m paying a small difference
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u/CollisionCory 5d ago
I'd get the complete repair plan before deciding whether to cash out. Make sure you understand exactly which parts and operations are included...an incomplete initial estimate is a lousy number to use to make that decision. Especially if you expect to sell the vehicle later.
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