the body shop follows the insurance guidlines... trust me, that I know. "We do prescribe recycled parts if they are appropriate, and when their use would restore the car to its pre-loss condition," says Dick Luedke, spokesperson for State Farm Insurance get auto insurance now. "If it's an older vehicle, and the right parts aren't available, we'll match the vehicle with a similar part that was made after market.".
That had me thinking, so I called my insurance company, Met Life, and asked what they covered. It took me 45 minutes of being transferred between the claims and customer service department before someone could give me a definitive answer. They actually had to call a field appraiser (who was the only person that actually knew the policy). A no-fault policy usually will not require that someone be assigned the blame in order for the policyholder to receive his/her money.