reimbursement of recent work done on car car considard totaled

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 5, 2011

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Insurance Question from Braintree, MA

Asked on 10/05/2011

reimbursement of recent work done on car car considard totaled in August I put in a new radiator, water-pump thermostat work equalled over 1000.00 insurance company only wants to give me 171.00 for this recent work. Is there any law indicating that I should receive total reimbursement?Someone told me that any parts within 60 days should be completely reimbursed. My insurance company indicates that it is considared maintenance. I live in Massachusetts

Answer given on October 06, 2011

The company is correct. Usually parts or replacement of parts, tires and so on, are considered general maintenance.  Things happen to a car–it needs new tires, the radiator goes bad, transmissions will go out.  These things are costly to replace.  Then you have an accident the nex week.  You feel that since these items are brand new, you should get reimbursed the full amount. It does not work that way. Unfortunately, I have never heard of any 60 day rule. Basically, these items were not additives to the car, they were maintenance items replaced. Most of that was the labor to do so. See if they will give a little more and perhaps you will at least re-gain the cost of the part. But, in this case, you will not get the full $1,000 back.     

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