What Happens When Insurance Refuses OEM Parts? Know Your Rights

When insurance refuses OEM parts, you can fight back.

After an accident, things tend to get confusing and frustrating. Not only are you dealing with the inconvenience of a damaged vehicle, you may also have injuries and other personal matters to tackle. Insurance companies also tend to have their preferences—and those may not always align with what you want. For instance, what if you want Original Equipment Manufacturer (OEM) parts for your repairs, but your insurance says no? Can your insurance really refuse that request? As an insurance policyholder in New Jersey, you have certain rights. Knowing those rights will make all the difference in where you take your vehicle for auto repair and what kind of parts you receive.

At Elmer’s Auto Body, we want to help New Jersey drivers like you get back on the road safely, which is why we also ensure you know your legal auto repair rights.

Key Takeaways

  • If your insurance company refuses OEM parts, your repair estimate may include aftermarket or recycled parts, which can impact quality, fit, and long-term performance.
  • In New Jersey, you have the right to request OEM parts, but if your vehicle is over two years old with more than 30,000 miles, you may have to pay the cost difference yourself.
  • Auto body shops like Elmer’s Auto Body can advocate for OEM parts on your behalf when safety, fit, or vehicle systems are at risk, and may help get insurer approval with proper documentation.
  • You can formally dispute your insurance company’s decision through New Jersey’s Department of Banking and Insurance if you believe aftermarket parts compromise your vehicle’s safety or value.
  • Disagreements over parts can delay repairs, so it’s important to review your policy, talk to your repair shop early, and understand your rights under New Jersey law.

What Happens When Insurance Refuses OEM Parts?

After an accident, you expect your vehicle to be repaired using the same quality parts that it originally had. But if your insurance company says no to those OEM parts, what can you do?

1. Check Your Repair Estimate

When your insurance company refuses OEM parts, the repair estimate they approve will likely include aftermarket or recycled (salvage) parts. These are typically less expensive for the insurer but may not offer the same quality, durability, or exact fit as factory parts.

Aftermarket parts are made by third-party manufacturers and can vary in material, dimensions, and performance. Recycled parts, on the other hand, come from other vehicles and may have wear and tear depending on their age and condition. While your repair shop doesn’t have to use these parts, the insurance payout is based on what they approved. So if OEM parts are used instead, you could be responsible for the cost difference.

2. You Can Legally Request OEM Parts—But May Pay The Difference

You don’t have to accept the use of aftermarket parts for your vehicle repair. However, in New Jersey, there is no legal requirement for OEM use either. In other words, NJ insurance companies can opt to use aftermarket or salvage parts for auto body repair if the vehicle is over two years old and has more than 30,000 miles.

Now, as mentioned previously, while you have the right to request the use of OEM parts, you may have to pay the price difference out-of-pocket. For instance, if the insurance company covers a $200 aftermarket fender and the OEM version costs $400, you would be responsible for the $200 gap. While it’s an added expense, many vehicle owners feel the added quality and long-term reliability are worth it.

3. The Auto Body Repair Shop May Push Back on Your Behalf

Not all situations are final. If your body shop believes the OEM part is necessary for a safe, proper repair, they may be able to advocate for it. At Elmer’s Auto Body, we frequently review insurance estimates and push back when we believe alternative parts could compromise vehicle structure, fitment, or safety. Furthermore, we only use OEM parts for auto body repair.

Shops can provide documentation to the insurer explaining why an OEM part is justified—especially for structural components, ADAS-related sensors, or vehicles still under manufacturer warranty. In many cases, insurance companies will revise their estimate when provided with clear evidence and reasoning.

4. Dispute the Insurance Decision

If the insurance company continues to refuse to cover OEM parts for accident repair, you can file a formal complaint or appeal the decision. In New Jersey, the Department of Banking and Insurance allows consumers to challenge claim decisions when they believe repair quality or vehicle value is at risk.

To support your dispute, you’ll want to collect written estimates, photos, and a repair shop statement that outlines why OEM parts are necessary. Documentation showing that aftermarket parts don’t meet safety or performance standards can strengthen your case.

5. Repairs May Be Delayed

Keep in mind that any disagreement in parts may cause a delay in the repairs. Most repair shops wait for final insurance approval or confirmation on who is paying for what before beginning work. This avoids billing confusion and ensures you’re not surprised by unexpected out-of-pocket costs once the job is complete.

To minimize delays, talk with your repair shop early about your preferences and check your insurance policy for any OEM-specific clauses. Knowing what’s covered—and what’s not—can help avoid frustrating delays and get your vehicle back on the road faster.

What are Your Legal Rights for Auto Repair in New Jersey?

When it comes to car repair after an accident, you have rights, including:

  1. The right to choose your repair shop, no matter what insurance recommends. Many insurance companies urge customers to use a “direct-repair facility” or DRP. These facilities have contractual agreements with insurance companies and will perform repairs quickly and within a specified budget, though this isn’t always the best for you.
  2. The right to receive written notice on which parts are being used for repairs. If you aren’t being given OEM parts, the insurance company or repair center must tell you that.
  3. You also have the right to request OEM parts, even if the parts aren’t covered by your policy.
  4. You can challenge insurance decisions that may compromise the quality and safety of your vehicle.

Get OEM Parts for Your Vehicle at Elmer’s Auto Body

When your insurance company refuses OEM parts, you’re not out of options. Rather, you just need to know what steps to take. Whether it’s paying the difference, disputing the claim, or asking your repair shop to push for better parts, you have choices.

At Elmer’s Auto Body, we use only OEM parts. Our team works with South Jersey drivers at our three locations—Medford, Mt. Ephraim, and Sewell—to get you the parts you need, even when your insurance company refuses to provide for OEM parts. If needed, we’ll advocate for OEM parts with your insurance company and provide documentation that supports their use.

If you’ve been in an accident and need a top-rated auto body repair shop in South Jersey or guidance on parts, coverage, or claims, give us a call or fill out the contact form. Elmer’s Auto Body of South Jersey is here to help!

How to Challenge a Low Insurance Payout After an Accident

Two men looking at low insurance payout documents. A wrecked car is behind them.

After a car accident, you want to know that your insurance company has your back and will cover the costs of damages and injuries. But what happens when the settlement offer comes in and it’s much lower than you expected? This situation is more common than many drivers realize. Fortunately, a low offer isn’t the end of the road. You have the right to challenge it. In fact, many legal advisers will tell you to challenge a low insurance payout.

At Elmer’s Auto Body, we’ve worked with many South Jersey drivers like you for decades. We understand how stressful it can be to deal with insurance companies. Here’s what you should know if you receive a low insurance payout offer after a crash.

Key Takeaways

  • Insurance companies often make low initial settlement offers to quickly close claims and minimize payouts, but you don’t have to accept the first number they give you.
  • You have the right to challenge a low offer by gathering evidence, getting a professional repair estimate, and submitting a formal demand letter with documentation of your losses.
  • A good settlement should fully cover vehicle repairs, medical expenses, lost wages, and possibly diminished value or pain and suffering, depending on the situation.
  • If the insurer won’t budge, you can escalate the matter by filing a complaint with the New Jersey Department of Banking and Insurance or speaking with a lawyer—especially if significant damages or injuries are involved.

Why is the First Insurance Settlement So Low?

Getting a low settlement may feel like a joke. However, insurance companies will make a quick initial offer after an accident that is lower than what your claim is actually worth. The goal is to close your claim swiftly, reducing what the company has to pay out.

Many drivers feel pressure to accept upon receiving the first check, particularly when without a car or dealing with medical bills. Keep in mind that once you accept, no matter how low the settlement, you give up the right to ask for anything else. Know your options before signing, and know that you can—and should—fight for a better settlement.

What Can You Do If the Insurance Payout is Too Low?

There are several steps you can take to ensure that you get a better settlement if the first insurance payout is too low. Here’s what to do:

1. Don’t Accept the First Offer

You may be tempted to sign the first check. Instead, take your time to review the full details of the settlement. Compare it to your actual costs—including vehicle damage, medical bills, lost wages, and any other expenses. If the number doesn’t add up, don’t be afraid to say no.

Rejecting the first offer won’t cancel your claim. It usually leads to further negotiations, where you can present your side of the story and push for a fairer amount.

2. Get a Detailed Estimate from an Auto Body Repair Shop

If your vehicle was damaged in an accident, have an auto body repair shop draft a comprehensive estimate. At Elmer’s Auto Body, our team will assess all visible and hidden damages and create a written estimate that reflects the true cost of repair. Share the estimate with your insurer, as it gives you solid evidence to support a higher payout.

3. Write a Demand Letter

Writing a demand letter is another key step. This formal approach shows the insurance company that you’ve done your homework and are serious about a fair resolution.

Your demand letter should include:

  • A detailed summary of the accident and damages
  • A breakdown of your repair costs, medical expenses, and other losses
  • Supporting documents (repair estimates, photos, bills)
  • A specific dollar amount you are requesting

4. Organize Your Documents

The more organized you are, the better. Keep copies of:

  • Your initial claim
  • Insurance communications
  • Repair estimates
  • Medical records (if applicable)
  • Photographs of the damage

Documentation reinforces your claim should it escalate.

5. Consider Filing a Complaint or Getting Legal Advice

There is a chance that negotiations may stall, especially if your insurer refuses to alter their payout. In the event of such a dispute, you have the legal right to file a complaint with the New Jersey Department of Banking and Insurance. You also have the option to consult with an attorney—especially if injuries are involved or if the claim amount is substantial.

In most cases, your insurance company will opt to give you a better settlement as soon as you show willingness to challenge the payout.

What is a Good Insurance Payout After an Accident?

Knowing that your insurance payout isn’t low is always reassuring. Typically, a good insurance payout after a vehicle accident is one that fully compensates all losses—nothing more or less. That means that the settlement will cover:

  • Vehicle repair or replacement costs
  • Medical expenses
  • Lost wages
  • Diminished value

In some cases, you may also receive compensation for pain and suffering if the accident resulted in any kind of physical or emotional pain.

There are also more subtle signs of a good settlement, such as the offer matching a professional auto body shop estimate, including hidden or structural damage; no pressure from the insurance company to accept; all categories of loss are covered; and transparency about how the amount was calculated.

Elmer’s Auto Body Can Help You Get Top-Quality Auto Body Repair

How do you challenge a low insurance payout after an accident? By not accepting when you know it’s too low. If the insurance company’s payout won’t cover the real cost of your accident, you have every right to challenge it. With clear documentation, a detailed estimate, and a willingness to stand your ground, you can negotiate a fairer outcome.

At Elmer’s Auto Body, we’re here to help you through it. If you’ve been in an accident and need trusted repair work—and support through the insurance process—contact us today at our Medford, Mt. Ephraim, or Sewell locations. Our team will get you an estimate and advocate for you as needed.

Can Structural Repairs Affect the Way Your Car Handles on the Road?

A woman tightly grips the steering wheel because structural repairs have affected how the car handles

When you are in an accident, there is always a chance that your vehicle sustains more than cosmetic damage. Often, repairs are a necessary step for drivers in South Jersey, especially when it comes to restoring the integrity and safety of the vehicle. Structural repairs handle those internal issues and work to maintain proper alignment, weight distribution, and overall drivability. However, if not done well, structural repairs can lead to handling issues that make driving unsafe.

 

Here’s what you need to know about how structural repairs impact vehicle performance and what to watch for after a repair.

 

Key Takeaways

 

  • Structural repairs restore a vehicle’s frame, unibody, and key components to ensure proper alignment, weight distribution, and handling.
  • Common repairs include frame straightening, unibody reinforcement, suspension mount repairs, crumple zone restoration, and wheel alignment.
  • Poor repairs can cause misalignment, unstable suspension, uneven weight distribution, and reduced crash protection, affecting drivability.
  • Signs of improper repairs include pulling, unresponsive steering, uneven tire wear, instability, and unusual noises—warranting further inspection.

 

What are Common Structural Repairs?

Structural repairs focus on restoring a vehicle’s frame, unibody, and key support components after a collision. The most common structural repairs include:

 

  • Frame Straightening: Technicians use computerized measuring systems and hydraulic tools to restore the frame to its original shape, ensuring proper alignment and handling.
  • Unibody Repairs: Unibody refers to the frame and body being integrated. Damage to key areas like the pillars, rockers, or crumple zones requires specialized welding and reinforcement to restore strength and safety.
  • Component Replacement: Front and rear subframes, crossmembers, rocker panels, and A/B/C pillars may all need to be repaired or replaced after sustaining damage.
  • Suspension Mount Repairs: Repairs involve reinforcing or replacing damaged mounts to ensure stability and proper suspension function.
  • Floor Pan and Firewall Repairs: Severe damage to these areas can affect safety and require cutting and welding new sections into place.
  • Crumple Zone Restoration: Crumple zones are designed to absorb impact in a collision. If damaged, they must be reshaped or replaced to maintain crash protection.
  • Wheel Alignment: After structural repairs, precise wheel alignment is necessary to ensure the car drives straight and doesn’t pull to one side. Advanced driver assistance systems (ADAS) may also need recalibration to function correctly.
  • Structural Bonding and Riveting: For vehicles with aluminum or mixed-material frames, traditional welding isn’t always used. Instead, technicians may apply adhesives, rivets, and bonding techniques to repair structural components.

 

How Does Structural Damage Affect Handling?

The structure of your vehicle is designed to absorb impact, protect passengers, and maintain stability while driving. When a collision damages key structural components—such as the frame, unibody, or suspension mounting points—it can alter the way your car drives. Here’s how structural damage can impact handling:

 

  • Misalignment Issues: A damaged frame can cause misalignment, leading to uneven tire wear, pulling to one side, and difficulty steering.
  • Compromised Suspension Performance: If the impact affects suspension mounting points, it can change the way your vehicle absorbs road imperfections, resulting in a rough or unstable ride.
  • Altered Weight Distribution: Structural repairs that do not restore the original weight balance can make the car feel off-center or harder to control, especially in turns.
  • Reduced Crash Protection: If the crumple zones or reinforcements are not properly repaired, the vehicle may not provide the same level of safety in future collisions.

 

Can Structural Repairs from a South Jersey Collision Repair Center Return Handling to Normal?

Yes, structural repairs can and should return a vehicle to its pre-accident condition or factory specifications. When performed correctly and by professionals, structural repairs ensure that a vehicle handles as it did before the accident. Advanced repair techniques, such as frame straightening and computerized alignment, are used to correct any misalignment or structural shifts. A professional collision repair shop will ensure that:

 

  • The frame or unibody is realigned with precise measurements.
  • The suspension system is inspected and adjusted for proper function.
  • The vehicle undergoes wheel alignment to correct any steering or stability issues.
  • Any damaged components that may affect handling, such as control arms or subframes, are repaired or replaced as needed.

 

Signs That Structural Repairs Were Not Done Correctly

After your car has been repaired, it is important to monitor how it performs. When leaving the repair center, ask yourself if it feels the same. If you notice any handling issues, the repairs may not have fully restored your vehicle’s handling. Here are some signs that the structural repairs may need to be revisited:

 

  • Pulling to One Side: If your car drifts or pulls when driving straight, the alignment or frame may still be off.
  • Steering Feels Off: A loose or unresponsive steering wheel could indicate unresolved structural issues.
  • Uneven Tire Wear: If your tires wear out faster on one side, it may signal improper weight distribution or misalignment.
  • Unstable Ride: If your car feels bumpy or wobbly, the suspension or frame may not have been fully repaired.
  • Strange Noises: Creaking, clunking, or rattling sounds while driving could be a sign that something is still out of place.

 

Get Professional Structural Repairs at a South Jersey Auto Body Repair Shop

If your vehicle has sustained structural damage, choosing a trusted collision repair shop is essential to restoring its performance and safety. At Elmer’s Auto Body, we handle structural repairs for a variety of makes and models. Our team uses state-of-the-art equipment to realign frames, adjust suspensions, and verify that all repairs are done to factory specifications.

 

If you suspect lingering handling issues after a repair, don’t wait—bring your car to one of our South Jersey locations for a professional inspection. Contact Elmer’s Auto Body today to schedule an appointment!

What’s the Difference Between a Bent Axle and a Damaged Suspension After a Crash?

A woman stares at her damaged car, wondering if she has a bent axle or suspension

After an accident, you may find that your vehicle isn’t driving as smoothly as it did before. If you notice unusual vibrations, poor handling, or strange noises, you may have a bent axle or suspension damage. While both issues affect how your car drives, they are different in terms of function, symptoms, and repair needs. It is important to understand the differences so you can discuss your options with a South Jersey collision repair center like Elmer’s Auto Body.

 

Key Takeaways

 

  • A bent axle affects power transfer and wheel rotation, while a damaged suspension impacts ride comfort and stability.
  • Signs of a bent axle include vibrations, wobbly wheels, clicking or clunking noises, and difficulty steering.
  • Suspension damage often causes uneven tire wear, a rough ride, pulling to one side, and squeaking noises.
  • If your car shakes and makes noises during acceleration, a bent axle is likely the issue, whereas poor handling and tire wear point to suspension problems.
  • Both issues can compromise vehicle safety and performance, making a professional inspection and repair essential.

 

What Does the Axle Do?

The axle is a key structural component that transfers power from the engine to the wheels, allowing them to rotate. It also supports the vehicle’s weight. If the axle is bent or damaged, it can cause severe drivability issues, making it unsafe to operate the vehicle.

 

What is the Suspension System?

The suspension system consists of multiple components, including shocks, struts, control arms, and springs, designed to absorb road impact and maintain stability. Damage to the suspension can lead to poor handling, uneven tire wear, and a rough ride.

 

How to Tell If You Have a Bent Axle

A bent axle typically results from a strong impact, such as hitting a pothole, curb, or another vehicle during a collision. That said, a bent axle is not immediately visible, and you may not realize you have one. Here are some common signs that your axle may be bent:

 

Vibrations and Shaking

A damaged axle can cause noticeable vibrations throughout the vehicle, especially as you increase speed. These vibrations often intensify the faster you go and can make your drive feel unstable or unsafe. Unlike alignment issues, which cause mild pulling, axle-related vibrations can be more aggressive and felt in the steering wheel, floor, or even the seats.

 

Uneven or Wobbly Wheels

If an axle is bent, the wheels may not rotate properly, leading to a wobbly sensation while driving. You might also notice that one wheel sits at an odd angle, even when the car is parked. This instability can make handling more difficult and, over time, cause additional strain on suspension components and tires.

 

Clicking or Clunking Noises

If you hear a clicking, popping, or clunking noise when accelerating, decelerating, or making turns, it could be a sign of axle damage. The noise occurs when the axle can no longer rotate smoothly, causing stress on the joints and bearings. This issue is especially noticeable when making sharp turns or driving at low speeds.

 

Difficulty Steering

A misaligned or bent axle can affect how your car responds to steering. If turning feels sluggish or unpredictable, or if the steering wheel feels loose or unresponsive, the axle may not be properly distributing power to the wheels. This can make maneuvering the vehicle more challenging, especially in emergency situations.

 

Signs of a Damaged Suspension

Suspension damage can occur for many reasons: direct impact, prolonged wear and tear, or even improper repairs after a crash. The reason you need your suspension in tip-top shape is because it’s responsible for absorbing shock. If any of the components, such as the struts, shocks, control arms, or ball joints, are damaged, there will be changes in how your car performs.

 

Here are some signs of a damaged suspension:

 

Uneven Tire Wear

If one or more of your tires show excessive wear on one side while the others appear normal, it could indicate a suspension issue. Worn-out suspension components can throw off your car’s alignment, causing tires to wear unevenly. This can shorten the lifespan of your tires and reduce overall traction, making driving more dangerous, especially in wet or icy conditions.

 

Bumpy or Rough Ride

If your car feels overly stiff, bouncy, or unstable when driving over bumps, your shocks or struts may be damaged. The suspension system is designed to absorb road imperfections, so if it isn’t functioning properly, you’ll feel every dip and pothole much more intensely. This can make driving uncomfortable and increase wear on other vehicle components.

 

Pulling to One Side

A damaged suspension system can throw off your car’s alignment, causing it to drift or pull to one side even when you’re driving straight. While a minor alignment issue might not seem like a big deal, over time, it can strain the tires and steering system, leading to bigger (and more expensive) problems.

 

Squeaking or Creaking Noises

If you hear squeaking, creaking, or groaning noises when going over speed bumps or rough roads, your suspension components may be worn out. These sounds often indicate deteriorating bushings, ball joints, or control arms, which can affect stability and handling.

 

Bent Axle vs. Suspension Damage: Which One Do You Have?

Both a bent axle and suspension damage can affect how your car drives, but their symptoms differ:

 

  • If your vehicle shakes, wobbles, or makes loud noises when accelerating, a bent axle is more likely the issue.
  • If you experience poor handling, uneven tire wear, or a rough ride, you may have suspension damage.

 

Both problems will impact the performance and safety of your vehicle, so it is important to have your car inspected and repaired at a professional auto body repair facility.

 

Get Your Vehicle Repaired at a South Jersey Collision Repair Center

Do you suspect that either the axle or suspension of your vehicle is damaged after an auto collision? Now that you know the signs, you should be able to determine whether your car needs to be repaired. If you car isn’t driving as it once did, it is time to contact a collision repair center in South Jersey like Elmer’s Auto Body. Our experienced technicians will diagnose the problem and provide the necessary repairs to get you back on the road safely. Contact us today for an inspection!

Why a Minor Collision Can Still Lead to a Total Loss Determination

Despite the minor damage, this bent rear panel still resulted in a total loss determination.

Minor accidents often cause cosmetic damages. Maybe an airbag goes off. Either way, you assume that your vehicle will be easily repaired and back on the road in no time. Then, that seemingly small collision ends with a total loss determination by your insurance company. It’s understandable that you would be appalled and question why such a thing has happened. Let’s get to the bottom of why this happens and what decisions you can make from here on out.

 

Key Takeaways

 

  • Insurance companies typically total a vehicle if repair costs reach 70-80% of its actual cash value (ACV), even if damage appears minor.
  • Modern vehicles have crumple zones that absorb impact, which can cause unseen frame or subframe damage, requiring expensive repairs to restore safety.
  • Features like ADAS sensors, cameras, and automated safety systems often require recalibration or replacement after even a minor collision, driving up repair expenses.
  • If your car is deemed a total loss, you can accept the payout, negotiate for a higher value, or keep the vehicle with a salvage title.

 

What is a Total Loss?

A vehicle is considered a total loss when the cost of repairs approaches or exceeds its actual cash value (ACV). Insurance companies typically use a threshold—often between 70% and 80% of the car’s value—to determine if repairs are financially feasible. Even if the damage appears minor, hidden structural issues or high repair costs can push the vehicle past this threshold.

 

Why Minor Collisions Can Result in a Total Loss

Now that you know what determines a total loss, let’s look at some of the reasons it happens after a minor collision:

 

1. Hidden Structural Damage

A small impact can still cause significant structural damage, especially in modern vehicles designed with crumple zones that absorb the force of a crash. While these zones help protect passengers, they can also lead to underlying damage that isn’t immediately visible. A misaligned frame, bent subframe, or weakened structural components may require extensive repairs to restore the vehicle’s integrity. Without proper repairs, the car may not provide the same level of protection in future accidents, making it unsafe to drive. These necessary but costly repairs can quickly add up, often surpassing the vehicle’s total loss threshold.

 

2. Technology and Safety Features

Modern vehicles are equipped with advanced driver assistance systems (ADAS), including lane departure warnings, automatic emergency braking, and parking sensors. Many of these technologies rely on sensors and cameras embedded in bumpers, side mirrors, and windshields. Even a seemingly minor collision can misalign or damage these components, requiring recalibration or full replacement to restore functionality.

 

Additionally, certain safety features, such as adaptive cruise control or collision detection systems, may need software updates after an accident, further increasing costs. Because these technologies are expensive to repair or replace, even a low-speed collision can lead to repair bills high enough for an insurance company to declare the car a total loss.

 

3. Airbag Deployment

If airbags deploy during an accident, repair costs increase significantly. Modern airbag systems involve more than just replacing the deployed airbags—associated components like sensors, crash modules, and seatbelt pretensioners may also need to be repaired or replaced. In some cases, a deployed airbag may require an entirely new dashboard or steering wheel, dramatically raising labor and part costs. Since airbag replacement is crucial for safety, insurance companies often consider the cost of these repairs when determining whether the vehicle is a total loss.

 

4. High Labor and Parts Costs

Auto body repairs involve labor-intensive work, from disassembling damaged areas to carefully realigning structural components. The cost of replacement parts—especially if original equipment manufacturer (OEM) parts are required—can be high, and shortages or supply chain issues can further drive up costs. Even if a car only has minor visible damage, the cumulative cost of parts, labor, and painting can quickly push repair expenses close to or beyond the vehicle’s actual cash value (ACV), making it uneconomical to repair.

 

5. Depreciation and Market Value

A car’s market value plays a crucial role in determining whether it is totaled. Older vehicles or those with high mileage depreciate over time, meaning even relatively inexpensive repairs can exceed their worth. Insurance companies assess the ACV based on factors like the vehicle’s age, condition, mileage, and recent market trends. If repair costs approach or exceed a certain percentage of the car’s ACV—typically around 70% to 80%—the insurer may deem it a total loss rather than invest in costly repairs.

 

What to Do If Your Car is Determined a Total Loss

There are three avenues you can explore if your car is deemed a total loss:

  • Accept the Settlement: The insurer will offer a payout based on the car’s ACV, allowing you to purchase a replacement vehicle.
  • Retain the Vehicle: In some cases, you can keep the totaled car, though it may receive a salvage title, which can affect its resale value and insurance eligibility.
  • Negotiate the Value: If you believe the insurance payout is too low, you can present evidence such as recent repairs, service records, or comparable market listings to negotiate a higher settlement.

 

Get Collision Repairs in South Jersey Done at a Certified Auto Body Repair Shop

Yes, even minor collisions can lead to a total loss determination if certain criteria are met. However, that doesn’t mean you need to accept the settlement. At Elmer’s Auto Body, our technicians assess damage thoroughly to determine the best repair solutions. If your car has been in an accident, contact us today for an evaluation at one of our three South Jersey locations. Let us help you get back on the road safely!

Why Plastic Bumpers Can Be Harder to Repair Than Metal Bumpers

plastic and metal bumper repair and comparison

Has your vehicle been in an accident and received bumper damage? The bumper is often the first part affected in a front or rear-end collision. While bumpers used to be made of metal, modern vehicles primarily use plastic bumpers designed to absorb impact. While plastic may seem easier to work with than metal, repairing a damaged plastic bumper can actually be more challenging in many cases. Understanding why plastic bumpers are difficult to repair can help you make informed decisions about fixing your vehicle after an accident.

 

Key Takeaways

 

  • Plastic bumpers are harder to repair than metal due to their flexibility, tendency to crack, and need for special adhesives and fillers.
  • Paint matching on plastic is challenging since it requires special primers and reflects light differently than metal.
  • Bumper damage may hide internal issues, affecting sensors, brackets, and impact absorbers.
  • Some plastics can’t be repaired, with thermoset plastics requiring full replacement.
  • Bumper repair versus replacement depends on damage, with minor scuffs repairable but deep cracks or structural issues needing a new bumper.

 

The Challenges of Repairing Plastic Bumpers

Plastic bumpers are not the same as metal bumpers. Though they are lighter and capable of absorbing force from an impact, they do tend to break differently, leading to more replacements than repairs. Here are some reasons why plastic bumpers are harder to repair than metal:

 

1. Flexibility and Memory Effect

While bumpers used to be made of metal, modern vehicles primarily use plastic bumpers designed to absorb impact. While plastic may seem easier to work with than metal, repairing a damaged plastic bumper can actually be more challenging in many cases. Understanding why plastic bumpers are difficult to repair can help you make informed decisions about fixing your vehicle after an accident.

 

2. Cracking and Splitting

While metal can be repaired by pulling dents or reshaping the panel, plastic often cracks or splits upon impact. Once a plastic bumper is cracked, the repair process becomes more complex. Unlike metal, which can be welded or reshaped, cracked plastic requires special adhesives, fillers, or plastic welding to restore its structure. Even with advanced repair techniques, cracks can weaken the bumper, making complete replacement necessary in some cases.

 

3. Paint Adhesion and Matching

Another challenge with plastic bumper repair is repainting. Plastic surfaces don’t hold paint the same way as metal, requiring special primers and adhesion promoters to ensure the paint bonds properly. Additionally, since bumpers are often made from different materials than the rest of the vehicle, achieving a seamless color match can be difficult. Metallic and pearl finishes are particularly tricky, as the way light reflects off plastic differs from metal, making any imperfections more noticeable.

 

4. Hidden Internal Damage

Even if the plastic bumper appears to have only minor damage, the impact could have caused hidden internal issues. Modern bumpers often house important components such as sensors, brackets, and impact absorbers. A damaged bumper might not provide the same level of protection in another collision if these components aren’t properly inspected and repaired. Professional technicians use diagnostic tools to assess internal damage, ensuring the vehicle remains structurally sound.

 

5. Limited Repairability of Some Plastics

Not all plastic bumpers are created equal. Some are made from thermoplastics, which can be heated and reshaped, while others use thermoset plastics, which harden permanently and cannot be reformed. If a bumper is made from thermoset plastic, repairs may not be possible, and a full replacement would be necessary. Identifying the type of plastic used in the bumper is a crucial step in determining the best course of action for repairs.

 

Should You Repair or Replace a Plastic Bumper?

Deciding whether to repair or replace a plastic bumper depends on the severity and type of damage. Minor cosmetic issues, such as surface scratches, light scuffs, or small dents, can often be repaired with sanding, filling, and repainting. These types of repairs are typically cost-effective and help restore the bumper’s appearance without requiring a full replacement.

 

However, more significant damage may warrant a new bumper. Deep gouges, large cracks, or punctures compromise the bumper’s structural integrity and may make repairs ineffective. Even if a crack is sealed, the repaired area may not provide the same level of impact absorption in a future collision. Additionally, if the damage has affected underlying components such as mounting brackets, reinforcement bars, or sensors, replacing the bumper ensures that all safety features function properly.

 

If you are having difficulty deciding what to do, consider the kind of plastic used in the bumper. As mentioned earlier, if it is a thermoset plastic, you may need to get a full replacement instead of a repair, as these plastics can’t be effectively repaired.

 

Get Your Bumper Repaired at a South Jersey Collision Repair Shop

Whether you have a plastic or metal bumper on your vehicle, if it is damaged, it may need to be repaired or replaced. It is important to get high-quality collision repairs, ensuring that your vehicle is restored to its pre-accident condition. At Elmer’s Auto Body, our technicians used proven repair techniques and precision color matching to provide seamless results. Don’t let a damaged bumper compromise your vehicle’s safety or appearance. Contact Elmer’s Auto Body today to schedule an inspection at one of our three South Jersey locations.