So I was rear ended a few weeks back. The person who hit me insurance agrees that it was his fault and will pay for all repairs and a rental. Great, but here is where things go south.
I've never been involved in an accident so I'm new to this. The damage is pretty minor but the rear bumper cover will need to be replaced as there is a tear in it. Geico had me take the car to one of their inspection centers and gave me an estimate for the repairs. The estimate says "Quality Replacement Parts" which means it's not a Subaru part but one made by someone else. It also says that Geico does not have to cover original parts. How can they get away with this? When I bought this car brand new, it was assembled with Subaru parts, not parts from another manufacturer. I didn't ask to get hit and now I have to come away with this with something less than what I had?
Is this something I can fight or demand? It seems these insurance companies have all right to do this.
