I’ve seen a few clients with high-end cars lean toward Geico or Progressive for exactly that reason—track record matters when you’re talking about expensive repairs. One guy had a $50k claim with Progressive after a deer incident, and while it took a bit longer than he hoped, they did pay out without much hassle. Have you checked how each handles OEM parts for your car? That’s one thing people overlook, but it can make a big difference if you ever need major work done.
Have you checked how each handles OEM parts for your car? That’s one thing people overlook, but it can make a big difference if you ever need major work done.
That’s a huge point. I’ve heard stories where folks thought they were covered, but then got stuck with aftermarket parts that didn’t fit right or wore out faster. For me, with kids in the backseat, I want the car as close to original as possible after a repair. Geico’s policy on OEM parts can be a bit murky unless you push for it, at least from what I’ve read. Progressive seems a little more upfront, but it probably depends on the adjuster you get. Either way, I’d double-check the fine print—peace of mind is worth a few extra bucks.
Totally get where you’re coming from—having kids in the car just ups the stakes. I’ve had a shop try to sneak in aftermarket parts before, and it was a hassle to sort out. You’re right, peace of mind is worth paying a little more for. Sometimes it feels like you have to be your own advocate with these companies, but it’s worth it if it means getting the right parts and keeping everyone safe.
Been there—had a mechanic once try to convince me “OEM-ish” was a thing. Spoiler: it’s not. Here’s my take:
- Geico’s claim process was smooth for me, but their adjuster tried to talk me into used parts. No thanks when my kids ride in the back.
- Progressive, on the other hand, cost a bit more but didn’t hassle me about parts at all.
- Both will nickel and dime you somewhere... just gotta pick your poison.
Honestly, I’d rather pay extra than play detective every time I need a repair.
Geico’s claim process was smooth for me, but their adjuster tried to talk me into used parts. No thanks when my kids ride in the back.
That’s interesting—do you remember if they explained *why* they were pushing for used parts? I’ve seen some folks get told it’s “industry standard,” but honestly, I’ve also seen plenty of policies that technically allow for OEM parts if you push back. Did you ever try challenging them on it, or was it just not worth the hassle?
Also, with Progressive, did you notice any difference in how quickly repairs got approved or paid out? Sometimes the “no hassle” comes with a longer wait, at least from what I’ve heard from a few people. I’m curious if you felt like the extra cost was justified by the peace of mind, or if it was more about not wanting to argue over every detail.
And about “OEM-ish”—I’ve literally never heard a shop use that term with a straight face. Did they actually write that on the estimate, or was it just something they said?
