Install
Repair Costs guides
Driver-assistance sensors and the cost of repairsWhy cameras and radar in bumpers and windshields raise repair bills, what calibration involves, and why equipped cars still cost insurers less overall.Aftermarket vs OEM parts in insurance repairsWhy insurers write estimates with aftermarket, recycled or reconditioned parts, whether they are safe, what the rules say, and how to get factory parts.Choosing a repair shop: direct repair programs and your rightsYour right to pick the body shop, how insurer direct repair networks work, the trade-offs of each choice, and what to ask any shop before it starts work.Custom parts and equipment coverageWhy a standard policy pays little for lift kits, custom wheels, wraps or audio gear, and how custom parts and equipment coverage fills the gap.OEM parts endorsements: guaranteeing factory partsWhat an OEM parts endorsement changes in a repair, which cars qualify, what it does not guarantee, and how state parts laws already protect you.Repair delays, parts shortages and running out of rental coverageWhy repairs drag on, how rental reimbursement limits run out, what the at-fault driver's insurer owes for loss of use, and what to do when rental days end.Why car repairs cost so much more than they used toThe sensors, materials, bigger vehicles, labor, parts and tariff pressures behind higher repair bills, how they reach premiums, and what you can do.