Can an insurance company write an estimate using parts not made by the original manufacturer or salvage parts?
The personal auto policy requires the insurance company to repair your vehicle–limited to the value of the vehicle before the damage. Insurance companies do not have to specify use of original equipment manufacturers parts when repairing the vehicle. A company only has to return the vehicle to its condition before the damage. I was recently at a convention out of town and left my suitcase in the back seat of my vehicle. I locked my car, but when I returned my suitcase was gone. I turned a claim into my automobile insurer and the insurer says there is no coverage. What do I do? Automobile insurance policies do not cover theft for personal items. However, you could consider filing a claim with your homeowner’s or renter’s policy. Most homeowner’s or renter’s policies allow for loss of property off the insured’s premises. Some policies may have limitations. Your insurer may require that you show forcible entry occurred or that you report the theft to the police. You will need to review y
