Did you ever try challenging them on it, or was it just not worth the hassle?
Honestly, I pushed back a bit and they started quoting “industry standard” at me too. I think it’s just their default move unless you make noise. I’ve heard if you mention “OEM parts” enough times, they’ll sometimes cave, but it’s a hassle.
As for Progressive, repairs got approved pretty quick for me—maybe a day or two longer than Geico, but nothing crazy. I’d say the peace of mind was worth the extra bucks, just to not have to argue every step.
And yeah, “OEM-ish” is wild. My shop guy actually said it with a straight face, like it was a real thing. Didn’t see it on paper though—probably too embarrassed to write it down.
Yeah, “industry standard” is basically code for “we’re gonna make this as annoying as possible.” I’ve done the dance with both Geico and Progressive, and honestly, they both play the same games when it comes to parts. I had a Geico adjuster try to convince me that aftermarket glass was “just as good”—meanwhile, it rattled every time I hit a pothole. OEM-ish is hilarious though... like, what even is that? If you want less drama, paying a bit more for Progressive might be worth it, but don’t expect miracles from any of them.
Honestly, I’ve seen both companies push aftermarket parts to keep costs down—it’s just how the game’s played now. Had a buddy with Progressive get “OEM equivalent” fenders that didn’t line up right. Saving a few bucks is great, but sometimes you get what you pay for...
Had a buddy with Progressive get “OEM equivalent” fenders that didn’t line up right.
That’s the tricky part—“OEM equivalent” can mean a lot of things, and sometimes it’s just not the same as factory. Have you checked if either company lets you specify OEM parts in your policy? Some do, but it usually costs extra. Also, curious if your friend tried to push back on the fitment issue? Sometimes they’ll work with you if you make enough noise... but yeah, it’s a gamble.
Honestly, “OEM equivalent” is one of those phrases that always makes me raise an eyebrow. I’ve seen it go both ways—sometimes the parts are fine, other times you’re left with gaps or weird panel lines. Did your friend ever get Progressive to cover the cost of swapping out those fenders for real OEM ones, or did they just have to live with it? I’ve noticed some carriers in NY are stricter about aftermarket parts than others... Wonder if Geico’s any better on that front?
