auto insurance and the cost of replacement parts

You’ve had an accident. You’re okay, but your car is in need of some serious bodywork. Fortunately, you have auto insurance and you’ve already received a repair estimate from the claims adjuster. That estimate notes covered repair costs for parts and labor, yes, but do you know which types of parts the body shop is being authorized to use? A fender is a fender, right? Not necessarily. Depending on the insurance company – and your…