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Insurance Tips

Keeping your vehicle like new

Keeping your vehicle "like new" helps ensure you'll get the greatest return on your investment at the time of resale. Also, if you lease your vehicle, you'll be expected to return it "up to standard"; otherwise, you may be required to pay additional termination charges. Authentic Collision Repair Parts by Mopar help protect you and your investment, and help minimize the possibility that your vehicle will lose some of its value unnecessarily.

Anti-Corrosion Warranty

Our Anti-Corrosion Warranty

Authentic Collision Repair Parts by Mopar are the only parts protected by the Chrysler New Vehicle Anticorrosion Limited Warranty. Generic aftermarket and salvage parts are not covered.* In addition, if generic aftermarket or salvage parts cause any corrosion to bleed onto original parts, the affected parts will not be covered. And if the use of an aftermarket or salvage part causes damage to wiring or air bag deployment, you could be placing more than your warranty in jeopardy. One more thing to consider: Aftermarket part companies don't have your ownership or lease information, so contacting you in the event of a recall is virtually impossible—even more reason why you should insist up front that your vehicle be repaired only with authentic Collision Repair Parts by Mopar.

Collision Accident

If you’re in an accident...

Accidents can happen to anyone at any time and cause thousands of dollars in damage. Here are a few tips to help make things easier in case your have an accident:

  1. Know your rights. Each owner has certain rights with regard to accident repair. Among these are the right to approve what parts are used on the vehicle and to be informed of what parts are going to be used before repair begins.
  2. Choose your own body shop. It is your right to choose where you want your vehicle repaired. Knowing that your vehicle will be repaired by trained technicians using quality parts will give you peace of mind when the need arises. For this reason, we recommend that you use a Chrysler, Jeep, Dodge or Ram body shop for repairs.
After an accident
  1. Don't leave the scene. Ideally you should remain in your car until the police arrive. In some states, you are requested to move the vehicle from active traffic lanes, if possible.
  2. Call the police. A police report created on the scene will help protect you later in dealing with your insurance agent, or with any legal actions that may be filed in the future. Please note that generating a police report at the scene is required by law in some states.
  3. Get the right information. Feel free to download our Accident Report Form and place it in your glove box to ensure you are prepared.
  4. Call for a tow. It is recommended that you contact Chrysler, Jeep, Dodge or Ram Roadside Assistance at 1-800-521-2779. Although accident towing is not covered by your warranty, our Customer Service Associates are trained to understand the needs of your vehicle. Although the cost of the tow is your responsibility, you can still control the destination of your vehicle, and most insurance companies reimburse that expense.
  5. Call your insurance company. If possible, you should call your insurance company from the scene of the accident.
  6. Get an estimate before authorizing repairs. Read the estimate carefully, before authorizing repairs. You need to be certain of what you and your insurance company are paying for. Knowing the difference between different grades of parts and demanding the use of authentic Collision Repair Parts by Mopar can help your vehicle retain its value, ensure your future safety and protect your warranty coverage.

Accident Tips

Your Insurance Coverage

Each state has unique minimum liability insurance requirements you must carry. For information on those requirements, please see your insurance provider. As you determine how to protect your vehicle, here are a few points to consider:

  • Your automobile insurance policy is a binding legal contract. Be sure to read it.
  • A standard automobile insurance collision policy will pay for covered repairs up to the fair market value of your vehicle less any deductible you have chosen for your policy. It's important to remember that this value can be significantly lower than the cost of replacing your vehicle (or your loan balance). If your vehicle is financed or leased, you will need "gap insurance" in order to be reimbursed any difference between what you owe and what the vehicle is worth.
  • In addition to gap insurance, many companies offer replacement cost coverage to cover the total cost of replacing your new vehicle(s) in the event of a total loss. MOPAR® recommends that you carefully review this option and give it serious consideration.
  • Insurance companies are stepping up their use of non-OEM (Original Equipment Manufacturer) parts (salvage and aftermarket parts). Here’s a sample of policy language that allows an insurance company to use non-OEM parts:

    "(The insurance company’s) preparation of Auto Physical Damage estimates contain: CAPA certified sheet metal parts, quality salvage, rebuilt, reconditioned and/or remanufactured OEM parts as they apply and the adjuster determines they are of like kind and quality. Non-certified aftermarket crash parts where the manufacturer’s warranty meets or exceeds the OEM warranty, to include headlamps, tail lamps, front/rear bumper covers, and bumper parts (excluding energy absorbers and HSLA reinforcements)."
  • Some insurers have specific additional premiums to add the right to repair with all OEM parts. Check with your insurer about how much this will add to your premiums.
  • It is important to remember that your vehicle is designed to perform as a system and must pass strict tests to ensure the safety of the occupants. Replacement of parts with anything other than genuine OEM parts could alter the performance of the vehicle in a future accident. Therefore, be sure to know what type of parts your insurer will use in case of an accident, prior to accepting coverage.
  • Some state governments have responded to this issue and have specific rules regarding the use of non-OEM parts. Below are two examples from the state of Michigan and the state of Texas:

    State of Michigan
    Michigan law requires a collision repair facility to inform you in writing if the replacement parts used to repair your vehicle are not OEM (Original Equipment Manufacturer, the company that manufactured your vehicle). Parts not produced by the vehicle manufacturer may be of a lesser quality and, if used, may void the manufacturer’s warranty. Before authorizing collision repairs, make sure you inform the repair facility and your insurance company if you only want the repair completed with OEM parts.

    Texas Department of Insurance
    27. CHOICE OF REPAIR SHOP AND REPLACEMENT PARTS. You have the right to choose the repair shop and replacement parts for your vehicle. An insurance company may not specify the brand, type, kind, age, vendor, supplier, or condition of parts or products used to repair your automobile.

  • Be sure to know your rights within your state. To learn the laws or regulations in your state, go to your state government’s website and search for: insurance regulations and autobody repair parts.

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