My friend’s car repair is stuck because Chevrolet won’t have the parts made until April. State Farm’s rental coverage is only for 25 days, which doesn’t help much. Has anyone dealt with something like this before? Any tips on what they can do?
25 days is pretty standard for rental coverage. Your friend might want to find a shop that can get parts faster, if possible.
Parts delays aren’t usually the carrier’s fault. Why is it taking 4 months if they say the fix is 25 days?
Dax said:
Parts delays aren’t usually the carrier’s fault. Why is it taking 4 months if they say the fix is 25 days?
It’s because the car is a 2025 model, and Chevy won’t even have parts ready until April. Super frustrating situation.
If parts won’t be ready for months, State Farm should extend rental coverage or consider the car a total loss. Happened to my brother once with a new Genesis. They ended up replacing the car.
Zen said:
If parts won’t be ready for months, State Farm should extend rental coverage or consider the car a total loss. Happened to my brother once with a new Genesis. They ended up replacing the car.
That’s what I’m thinking too. Has your friend involved the dealership? Sometimes they can push things along.
State Farm is the at-fault carrier? If they’ve admitted fault, push back and ask them to cover the additional rental or total out the car.
Your friend could also make a claim for Loss of Use. If there’s structural damage or airbag deployment, check for diminished value too. Car could lose 25% of its pre-accident value.
Sayer said:
Your friend could also make a claim for Loss of Use. If there’s structural damage or airbag deployment, check for diminished value too. Car could lose 25% of its pre-accident value.
Loss of Use is a good angle. Plus, diminished value claims can help offset the mess.
Since Covid, parts delays have been rough. Policies usually stick to their rental limits regardless of repair times, though. Not fair, but that’s how they do it.
Honestly, I’d tell State Farm you’ll involve representation if they don’t help. Sometimes that’s all it takes for them to reconsider.