Insurance companies have their interests — you have yours. Here's what they don't always tell you.
What Is a Deductible? Basics
Your deductible is the amount you pay out-of-pocket before insurance covers the rest. If your repair is $3,000 and your deductible is $500, insurance pays $2,500. You always owe the deductible — unless the other driver's liability insurance is covering the full claim.
If the other driver was at fault, their liability coverage may pay your repair in full with no deductible required.
Aftermarket vs. OEM Parts Know This
OEM parts are made by your vehicle's manufacturer to exact factory specs. Aftermarket parts are third-party alternatives that vary widely in quality, fit, and longevity. Insurance companies routinely specify aftermarket to cut their cost — but you have the right to request OEM, especially on newer vehicles.
Massachusetts law allows OEM parts on vehicles under a certain age. We'll fight for it on your behalf.
LKQ / Used Parts Watch Out
LKQ means "Like Kind and Quality" — used salvage parts pulled from other vehicles. Insurers push these to reduce payouts. The problem: you can't verify the part's history, hidden damage, or remaining lifespan. We document and dispute every LKQ substitution that isn't appropriate for your vehicle.
We review every supplement line by line and push back on LKQ when OEM is the right call.
Your Right to Choose Your Shop Important
In Massachusetts, you have the absolute right to choose your own repair facility. Insurance companies cannot legally force you to use their "preferred" or "direct repair program" shops. Those shops often have agreements that limit repair scope to reduce insurer cost. We work for you, not the carrier.
211 CMR 133 governs auto damage claims in MA. We know it cold — and we use it to protect your repair.
What Is a Supplement? Process
A supplement is an additional estimate submitted after hidden damage is discovered during teardown. Insurers sometimes deny or underpay supplements. We photograph everything, write detailed justifications, and negotiate directly with your adjuster to ensure a safe, complete repair.
You're entitled to a safe, complete repair — not just the minimum the insurer will approve.
Diminished Value Often Missed
Even after a flawless repair, your vehicle may be worth less on the market than it was before the accident. This loss is called diminished value. If you were not at fault, you may be entitled to file a separate diminished value claim against the at-fault party's insurance. Most drivers never know to ask.
Ask us about diminished value — we can help you understand your options and document your claim.
