The Denial Files
What insurers cut from collision estimates, and what gets it paid. Each file is built on real short pays from collision shops.
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Paint makes up one out of every five dollars on a short pay. Here is where it goes missing.
We looked at 290 short pays Reclaimr compared line by line. 3 out of 4 had at least one paint or refinish item the insurer cut. Which items, how paint is calculated on an estimate, and what gets those items paid.
One short pay out of three has a part swap on it. Here is what the automakers say about the swaps.
On one out of three short pays, the insurer swapped at least one part for an aftermarket, recycled or CAPA part. What we found, what the automakers have published about those parts, and what you can do about a swap.