stuck between Geico and Progressive in NY, thoughts?

Good point about checking the breakdown - shops usually appreciate when you're paying attention. I've had Progressive before and their speed was impressive, but I did notice they preferred aftermarket parts sometimes. Not necessarily bad, just something to be aware of depending on your car's age or warranty. Has anyone noticed if Geico tends to push OEM parts more often, or is it pretty much the same deal?

"I've had Progressive before and their speed was impressive, but I did notice they preferred aftermarket parts sometimes."

Yeah, I've noticed the same thing with Progressive. They're quick, but aftermarket parts seem to be their default unless you specifically push for OEM. With Geico, from my experience, it's pretty similar - OEM isn't automatic, but they're usually open to it if you make a solid case. Here's what worked for me: first, check your warranty terms carefully. If your car is still under warranty, OEM parts might be required to maintain coverage. Next, clearly communicate this to the adjuster and provide documentation if needed. I've found that being detailed and firm (but polite) about warranty requirements or safety concerns usually gets them to budge. Also, some states have laws about OEM vs aftermarket parts depending on vehicle age, so double-check NY regulations just to be safe.

I had a similar experience with Geico last year after a minor fender bender. They initially suggested aftermarket parts, but once I explained my concerns about safety and maintaining my warranty, they were pretty reasonable about switching to OEM. Progressive was definitely faster with claims processing when I had them, but Geico seemed a bit more flexible on the parts issue. Might be worth considering if you're particular about OEM parts and warranty coverage...

"Progressive was definitely faster with claims processing when I had them, but Geico seemed a bit more flexible on the parts issue."

Interesting, hadn't thought much about OEM vs aftermarket parts until now... Do you guys think OEM parts really make that big of a difference on longer road trips? Curious if anyone's noticed any reliability differences down the line.

OEM parts can matter for certain critical components (think suspension, sensors, or electronics), especially if you're clocking serious highway miles. But honestly, for most basic stuff like bumpers or mirrors... aftermarket usually holds up fine. Ever had a road trip ruined by a bumper? Didn't think so.