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Fender bender...headache! #5086036 04/25/19 02:44 PM
Joined: Apr 2013
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gregk24 Offline OP
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About a week ago I was involved in a small fender bender. I won't go into details, but wrong or right both parties were ticketed. The other guy is contesting his ticket, a fools errand IMO since he was also driving someone else's car and WITHOUT insurance. Anyway, I called in the accident after it happened, and contacted insurance yada yada yada.

Now, a week after the accident my insurance FINALLY got around to emailing my the quote for repairs. I noticed that one of the damaged body panels was not listed in the estimate. I also noticed that they were going to replace the damaged wheel with an aftermarket part. I emailed my adjuster right away to address my concerns. She told me that if there was additional damage (the part they missed) that they would cover it as a supplement when the car was in the body shop. HOWEVER, she told me it is standard practice to use aftermarket parts.

I told her I was not ok with this and would only be happy with an OEM wheel, aftermarket just isn't going to cut it. Long story short we did not agree, I asked her what I needed to do to get them to put a Honda OEM wheel on. She said there is nothing I can do and that she would speak with her manager.

Have any of you been in this situation? Honestly I am thinking about just touching up the spots myself and moving on. This has been quite a headache, from being ticketed (improperly IMO) to having to deal with these insurance problems.


2012 Honda Accord EX-L K24z3
58,xxx miles
PPPP 0w20 / Fram Ultra

2014 VW Jetta SE 1.8T ea888
50,xxx miles
Castrol Edge 0w40 / OEM filter
Re: Fender bender...headache! [Re: gregk24] #5086039 04/25/19 02:48 PM
Joined: Aug 2004
Posts: 21,094
The Critic Offline
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You may want to review your policy. In general, your auto policy has no obligation to use OEM parts unless you purchased the OEM parts endorsement.


2011 Toyota Prius 1.8L - 197K - Pennzoil Platinum 0W-20
2007 Honda Accord 2.4 - 138K - Mobil 1 EP HM 5W-30
Re: Fender bender...headache! [Re: gregk24] #5086049 04/25/19 02:57 PM
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Donald Offline
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Is the aftermarket wheel actually made by another company from a blob of metal to a finished wheel or a Honda wheel that has been repaired and brought back to OEM specs. You may be able to force them to use OEM parts but the wheel can be a repaired Honda wheel. You smash a door, then can repair the door or replace the door skin. They do not have to give you a new door.


2015 Subaru Forester 2.5 engine/CVT
2015 Ford F250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Fender bender...headache! [Re: gregk24] #5086055 04/25/19 03:04 PM
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Virtus_Probi Offline
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I can't imagine the aftermarket wheel is going to be remotely the same as OEM and that kinda sucks when you have three other OEMs spinning on the car.
I have been able to negotiate things like this in the past with the people actually doing the work...for example, I had some scratches from somebody trying to get into my CRX in Dallas that started to get rusty and was able to get it taken care of when some guy hit my front end and took off some time later. They figured out that something insurance said had to be replaced could be repaired instead and they applied that money to fixing the scratches.
It's probably worth trying more with the insurance and bringing up that having an unmatched wheel is likely a safety issue (like driving on a donut for a long time).

I thought I was going to have to deal with this a few weeks ago, reserved a spot in a lot near Fenway for a game and some giant SUV was at least 6 inches into my spot. Was easing into the spot oh so slowly and suddenly heard a POP...got out and part of my fender had popped out! I could not believe it, finished pulling in after the attendant walked over and opined "You got the worst of it" and looked at the little car on that side closely. Finally figured out that they had their wheels cut fully one way (BAD practice when parking in a tight spot) and my fender got caught on their tire and finally gave way with enough pressure. Explained why I didn't hear any scraping before the POP and why they had no damage at all...plus why I made contact with a car when I was watching my clearance very carefully, couldn't really see their tire. The owner happened to come back for something she had forgotten then and I apologized to her before we verified together that they had no new damage (her car was a little beat up).
I was relieved that I wasn't going to have to deal with another driver, then I got the fender all the way back into its slot with about 10 minutes of finagling after the game. Touched up the one little scrape I got from the body parts sliding and the car doesn't really look any worse for the wear. I was kind of lucky and unlucky all at once...


2014 Forester XT, 105000 miles
Last Change;
PP 5w30 d1G2
Tokyo Roki 15208AA170 filter
Re: Fender bender...headache! [Re: The Critic] #5086092 04/25/19 03:46 PM
Joined: Nov 2011
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Audios Offline
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Originally Posted by The Critic
You may want to review your policy. In general, your auto policy has no obligation to use OEM parts unless you purchased the OEM parts endorsement.


This. Its an option in most policies now a days, and adds a considerable amount. Whats probably going to happen is theyre going to cover a refurbished wheel and used/aftermarket parts, and you can pay the difference to upgrade back to OEM.


2002 VW Golf TDI-T5 10/30
2007 Mercedes GL320 CDI- M1 0/30 ESP
2005 BMW M3 BMW Twin Power 10/60
2003 BMW M5-Fuchs 5/40
1998 BMW M3/4/5 Fuchs 5/40
Re: Fender bender...headache! [Re: Audios] #5086113 04/25/19 04:12 PM
Joined: Jun 2005
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bdcardinal Offline
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Originally Posted by Audios
Originally Posted by The Critic
You may want to review your policy. In general, your auto policy has no obligation to use OEM parts unless you purchased the OEM parts endorsement.


This. Its an option in most policies now a days, and adds a considerable amount. Whats probably going to happen is theyre going to cover a refurbished wheel and used/aftermarket parts, and you can pay the difference to upgrade back to OEM.


I regularly deal with body shops since I do both the back counter and wholesale. We will do what we can to come close to aftermarket since most body shops much prefer using OEM parts. Sometimes when we can't get close to that price they will have the customer pay the difference of what insurance will pay the body shop. The body shop can also submit a supplement request stating the aftermarket parts either were wrong multiple times or did not allow for a proper repair.


2014 Ford Mustang GT Track Pack
1995 Ford Mustang GT

Ford/Mazda Parts Counter
NRA Benefactor Member
Opinions expressed are my own.
Re: Fender bender...headache! [Re: gregk24] #5086115 04/25/19 04:17 PM
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madRiver Offline
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The wheel cannot mismatch or is it steel/one hub cap?

Last edited by madRiver; 04/25/19 04:18 PM.
Re: Fender bender...headache! [Re: madRiver] #5086133 04/25/19 04:41 PM
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gregk24 Offline OP
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Originally Posted by madRiver
The wheel cannot mismatch or is it steel/one hub cap?


Not sure what your question is. They are alloy wheels.


2012 Honda Accord EX-L K24z3
58,xxx miles
PPPP 0w20 / Fram Ultra

2014 VW Jetta SE 1.8T ea888
50,xxx miles
Castrol Edge 0w40 / OEM filter
Re: Fender bender...headache! [Re: gregk24] #5086159 04/25/19 05:12 PM
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maxdustington Offline
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OEM parts on a seven year old Honda Accord? Get real, bud.


03 Jetta AWP/09A 210k kms
Edge 0W40 + Mann 719/30
Re: Fender bender...headache! [Re: gregk24] #5086164 04/25/19 05:13 PM
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KrisZ Offline
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That's a bummer. I wouldn't mind an aftermarket bumper, or a fender, as long as it fits the same, but the quality between OEM alloy wheels and aftermarket is quite big. Aftermarket wheels are usually much lighter and weaker, so they don't take pot holes all that great.
I would research aftermarket wheels for you Accord. Perhaps there are some that are in fact OEM quality, not just looks, and then insist on those.

Last edited by KrisZ; 04/25/19 05:14 PM.

2015 Grand Caravan 3.6L - 31k miles.
2006 Mazda 3 2.0L - 171k miles
Re: Fender bender...headache! [Re: The Critic] #5086228 04/25/19 06:08 PM
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JLTD Offline
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Originally Posted by The Critic
You may want to review your policy. In general, your auto policy has no obligation to use OEM parts unless you purchased the OEM parts endorsement.


OTOH, insurance is required to "make you whole" and restore the vehicle to the condition it was in prior to the accident....this may vary by state so OP should check his local laws.

Last edited by JLTD; 04/25/19 06:12 PM. Reason: clarity

I use the overseas manual to choose my oil viscosity.

Using AMSOIL

Hers: 2008 Jeep Liberty 149k, SS5w30/Amsoil

His: 2015 4Runner 55k, SS 5w20/Amsoil

Re: Fender bender...headache! [Re: JLTD] #5086231 04/25/19 06:13 PM
Joined: Aug 2004
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The Critic Offline
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Originally Posted by JLTD
Originally Posted by The Critic
You may want to review your policy. In general, your auto policy has no obligation to use OEM parts unless you purchased the OEM parts endorsement.


OTOH, insurance is required to "make you whole" and restore the vehicle to the condition it was in prior to the accident....this may vary by state so OP should check his local laws.

Auto policy forms are state specific so he should consult his policy form for the policy's obligations.


2011 Toyota Prius 1.8L - 197K - Pennzoil Platinum 0W-20
2007 Honda Accord 2.4 - 138K - Mobil 1 EP HM 5W-30
Re: Fender bender...headache! [Re: gregk24] #5086241 04/25/19 06:22 PM
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fdcg27 Offline
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Between the original estimate and the later supplement, there's a good chance that the body shop can do things differently and be ahead on costs.
This was our experience with a recent insurance repair to our newer Forester when it got rear-ended. The offending driver's insurer tried to spec aftermarket parts but we ended up with all Subaru genuine.
There is also the likelihood that the aftermarket wheel is made by the OEM supplier, since I'd doubt that anyone is buying the rather fugly alloys these cars came on as an upgrade. We have a '12 Gen 8, and the OEM rims are not a source of lust and desire.
Finally, there are always the local yards. Enough of these cars were built and now wrecked that a genuine mint OEM rim should be readily available pretty cheaply locally, ignoring what LKQ says one should cost.
If all else fails, pony up a few bucks more and get the proper rim.
Most Honda dealers offer significant discounts to shops like the one fixing your ride.


18 Accord Hybrid 20K HGMO 0W-20
17 Forester 30K VME 0W-20
12 Accord LX 115K SSO 0W-20
09 Forester 95K M1HM 10W-30
96 Accord LX 104K T5 10W-30
95 318i
Re: Fender bender...headache! [Re: gregk24] #5086280 04/25/19 06:45 PM
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JTK Offline
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I'm probably missing something here, but is there such a thing as an aftermarket wheel that's an exact match to an OEM alloy/aluminum wheel? I realize there's outfits out there that may refurbish OEM wheels to look prettier, etc. Would a replacement OEM wheel for a 2012 Honda even be on a shelf somewhere?


2017 Ram 1500 4x4, 3.6L.
2016 Nissan Quest SV (Babe magnet IV)
2015 Nissan Versa 1.6 S
Re: Fender bender...headache! [Re: maxdustington] #5086292 04/25/19 06:49 PM
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gregk24 Offline OP
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Originally Posted by maxdustington
OEM parts on a seven year old Honda Accord? Get real, bud.


A couple things. I don't care if its a 27 year old Honda Accord, if it had OEM wheels on it during the wreck then that is what the insurance company should put back on it! Also, I pride myself in maintaining my vehicles and keeping them looking and driving as new as possible. Maybe you don't? Finally, as someone else mentioned it's one thing if they wanted to install an aftermarket bumper, but an aftermarket wheel? If you are un-aware, let me inform you that not many aftermarket wheels are of the same quality as OEM (meaning they are of inferior quality). Being easily bent by potholes would be one example, not to mention looking slightly different cosmetically.

I don't need your snarky comments, thank you.


2012 Honda Accord EX-L K24z3
58,xxx miles
PPPP 0w20 / Fram Ultra

2014 VW Jetta SE 1.8T ea888
50,xxx miles
Castrol Edge 0w40 / OEM filter
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