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<blockquote data-quote="FullAuto" data-source="post: 3614672" data-attributes="member: 5110"><p>As an adjuster, I would hear all the stories about all the insurers from various shops. They would use what others do against us for a comparison as well as just ***** about the other companies too. Don't get me wrong, plenty of shops don't like State Farm but it's usually for some specific trigger at that specific shop. There was never much negative said about Allstate. They were the first to go to virtual estimating and make the shop us an app, even pre-Covid. So that was very negative at the time. Now it's common and staying so Allstate was just first and change isn't liked. They do buy aftermarket parts on their estimates, but reality is, as long as it's a certified part (and it will be with almost everyone but Geico), then a huge majority of those parts can be price-matched to OE parts. If a shop is using Keystone sheetmetal parts (which is considering the highest quality of the aftermarket parts) on an insurance job, it's typically because they are morons and their office personnel suck. Usually this is going to be a small independent where the office person is the shop owner and also performs some shop function like bodyman or painter. If a shop is large enough to have a full time estimator, then they've usually figured out the game by them. </p><p></p><p>>90% of car repairs out there are going to come down to the shop, not the insurance. It's a game. People always get hung up over what the estimate from the insurer says, usually aftermarket or recycled/used parts. This has very little impact for a professional shop estimator. The shop will ultimately decide how they're going to repair your car. Either they will do it correctly or they won't. In all cases, they will make more money with certain insurers like State Farm/USAA paying them, but the Farmer's car is still being delivered to the customer in the same condition. Again, the only exception is Geico. There is zero chance of your car being repaired correctly off their payment. If you can find a shop they will pull all OE repair information (and there are very few out there) Geico will not approve it. Everyone in the insurance business or repair business knows they are a punchline.</p></blockquote><p></p>
[QUOTE="FullAuto, post: 3614672, member: 5110"] As an adjuster, I would hear all the stories about all the insurers from various shops. They would use what others do against us for a comparison as well as just ***** about the other companies too. Don't get me wrong, plenty of shops don't like State Farm but it's usually for some specific trigger at that specific shop. There was never much negative said about Allstate. They were the first to go to virtual estimating and make the shop us an app, even pre-Covid. So that was very negative at the time. Now it's common and staying so Allstate was just first and change isn't liked. They do buy aftermarket parts on their estimates, but reality is, as long as it's a certified part (and it will be with almost everyone but Geico), then a huge majority of those parts can be price-matched to OE parts. If a shop is using Keystone sheetmetal parts (which is considering the highest quality of the aftermarket parts) on an insurance job, it's typically because they are morons and their office personnel suck. Usually this is going to be a small independent where the office person is the shop owner and also performs some shop function like bodyman or painter. If a shop is large enough to have a full time estimator, then they've usually figured out the game by them. >90% of car repairs out there are going to come down to the shop, not the insurance. It's a game. People always get hung up over what the estimate from the insurer says, usually aftermarket or recycled/used parts. This has very little impact for a professional shop estimator. The shop will ultimately decide how they're going to repair your car. Either they will do it correctly or they won't. In all cases, they will make more money with certain insurers like State Farm/USAA paying them, but the Farmer's car is still being delivered to the customer in the same condition. Again, the only exception is Geico. There is zero chance of your car being repaired correctly off their payment. If you can find a shop they will pull all OE repair information (and there are very few out there) Geico will not approve it. Everyone in the insurance business or repair business knows they are a punchline. [/QUOTE]
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