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Discussion Starter · #1 ·
I have a 2013 Accord EXL, 17K (don't drive much) with 17" alloy wheels. Hit black ice in which both right wheels hit curb resulting in the replacement of both right wheels (along with bearings & tires). I want OEM wheels ($500/each), but my insurance company is only willing to pay for aftermarket wheels ($190/each). I read on the internet that aftermarket wheels are cheaper because they are cheaper in quality (metals used) so they are heavier and don't meet the same quality control such as resistance to salt or specs like OEM. I bought my car new and keep them for about 20 yrs.

1. Is OEM better than aftermarket? why?
2. Can my insurance company force me to use aftermarket?

Thanks in advance.
 

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Roll Tide!
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please stop posting the same thread in more than one place. thanks.

buy new take-off wheels on your local craigslist. you don't want to claim a few hundred dollars in wheels on your insurance. your deductible is probably something like $250, $500, or even $1000.
 

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The insurance company will pay what the policy says it will pay. You might find some OEM wheels on ebay for a good price. Some aftermarket wheels are cheaper b/c they weigh less. You can do a Google search on the best aftermarket wheels. There are some good ones available, not necessarily expensive.
 

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Thunder Up!
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Where are you located? I have the 17" oems w/ Michelin's (only 11k miles on them) and in perfect condition.
 

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Doubtful insurance will buy wheels from eBay or individuals...you would have to spend that money yourself. I would push insurance for OEM replacements. Unless your policy gives them right to use "used" parts or non-OEM, you should be able to push for OEM. Are you dealing direct or through repair shop? Repair shops will usually go to bat for you on OEM parts. I've been there, fought the battle and won....Good luck!
 

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Discussion Starter · #6 ·
Doubtful insurance will buy wheels from eBay or individuals...you would have to spend that money yourself. I would push insurance for OEM replacements. Unless your policy gives them right to use "used" parts or non-OEM, you should be able to push for OEM. Are you dealing direct or through repair shop? Repair shops will usually go to bat for you on OEM parts. I've been there, fought the battle and won....Good luck!
Joebxr

The insurance company is sending an appaiser to the the dealer (where I'm getting my car repaired). The mechanic at the dealer said OEM. The claim adjuster at the insurance place said the car has more than 15K so only aftermarket. I guess the appraiser will decide. I will be present when the appraiser looks at my car.
 

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Joebxr

The insurance company is sending an appaiser to the the dealer (where I'm getting my car repaired). The mechanic at the dealer said OEM. The claim adjuster at the insurance place said the car has more than 15K so only aftermarket. I guess the appraiser will decide. I will be present when the appraiser looks at my car.
Suggestion: If you've been with insurer long time, and have an agent you've been dealing with, go talk to agent and push...faithful customer; long time customer; etc. etc. Push agent to save his fees that he would lose if you switch insurers because of disappointment with their treatment.
 

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I don't understand why an insurance company would push an aftermarket product at a dealer? If a dealer is saying what the car needs to be repaired the insurance company needs to give them a price on what they will give towards the repair. Insurance adjusters are not mechanics, if a mechanic is saying your car needs OEM products to make a safe repair the insurance company is putting you at risk by not following what a certified mechanic is stating. That would be like going to the Doctor and him saying you needed a heart transplant and the insurance company would give you a lung.
 

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I don't understand why an insurance company would push an aftermarket product at a dealer? If a dealer is saying what the car needs to be repaired the insurance company needs to give them a price on what they will give towards the repair. Insurance adjusters are not mechanics, if a mechanic is saying your car needs OEM products to make a safe repair the insurance company is putting you at risk by not following what a certified mechanic is stating. That would be like going to the Doctor and him saying you needed a heart transplant and the insurance company would give you a lung.
Your organ analogy is a little off maybe instead of a lung you'd get a heart from a 95yr old man lol. Either way you're screwed:D
 

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Joebxr

The insurance company is sending an appaiser to the the dealer (where I'm getting my car repaired). The mechanic at the dealer said OEM. The claim adjuster at the insurance place said the car has more than 15K so only aftermarket. I guess the appraiser will decide. I will be present when the appraiser looks at my car.
I would not let the appraiser have final word on what repair parts are used if I as an informed person seriously disagreed. Some aftermarket bits, wheels included, may be perfectly acceptable if confident they are built to OEM standards. If not I'd contest, pay the difference out of pocket, or in cooperation with the repair shop source used/takeoff wheels.
 

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I would corner the claims adjuster in an empty area of the dealership and display these items....



He will get the message. A pair of pliers and a blowtorch solves many a modern problem in snappy time!

How about you just get a check for $1,000 from your insurance company for 2 "new" wheels, then buy 'em on Craigslist from some clown who HAS to have new wheels. Lots of Honda wheels for sale. Those wheels are 3 - 3.5 years old. You can probably get them for $150 each.

Hey, remember those threads on the 2 different types of EX wheels, one made in Mexico, one in Japan, and how they were ever so slightly different?
 

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I'd find another insurance company. I had an insurance company appraiser try to say I could use used parts on my year old truck ($2,500). We made the company send someone out to the bodyshop. When it was all said and done I had new parts on my truck and they shelled out a little over $5,000 to fix it.
 

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I would corner the claims adjuster in an empty area of the dealership and display these items....



He will get the message. A pair of pliers and a blowtorch solves many a modern problem in snappy time!

How about you just get a check for $1,000 from your insurance company for 2 "new" wheels, then buy 'em on Craigslist from some clown who HAS to have new wheels. Lots of Honda wheels for sale. Those wheels are 3 - 3.5 years old. You can probably get them for $150 each.

Hey, remember those threads on the 2 different types of EX wheels, one made in Mexico, one in Japan, and how they were ever so slightly different?
If the OP could get $1000 from his insurance company then the OP wouldn't have started this thread. His insurance company will only cover $190 p/wheel as stated in the first post.
 

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If you had a policy that stated that the appraiser did have the final word, you as an informed person would have no say in the matter.
The adjuster may have last word wrt what ins company will pay for. But not on what parts you permit to be used.
 

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Roll Tide!
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The adjuster may have last word wrt what ins company will pay for. But not on what parts you permit to be used.
And some policies state they will replace with aftermarket parts at their discretion, which the policy owner agrees to when the contract is executed. The only recourse would be to fund the repairs yourself. So there's that.
 

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I agree that ultimately it's up to your insurance company as per the policy you paid for.

I've had aftermarket wheels since last August and although I don't drive many miles (only about 4k since then) it is my daily driver and it's gone through an Iowa winter without issues. If I remember they were $455 for the set (shipped).

-Eric

Pics (caps are OEM)















 

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I agree that ultimately it's up to your insurance company as per the policy you paid for.

I've had aftermarket wheels since last August and although I don't drive many miles (only about 4k since then) it is my daily driver and it's gone through an Iowa winter without issues. If I remember they were $455 for the set (shipped).

-Eric

Pics (caps are OEM)
I was OK with those pics until I saw "Made in China", but hey, it was your choice and, like you say, they have been giving you good service. I wish you continued good luck.
 

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If the OP could get $1000 from his insurance company then the OP wouldn't have started this thread. His insurance company will only cover $190 p/wheel as stated in the first post.
Negative. OP said he had to fix some suspension pieces, in addition to replacing wheels, so total cost is well over $1,000.
 
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