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Reasonable and necessary. Insurance company wont pay to genuine parts
My car was broken into & the stereo stolen. The insurance company adjuster says that Farmers ins. will NOT cover for a new side passenger window that was broken during the theft.
Instead they will give me a "reasonable and necessary" i.e. used part. to replace. (I have the paperwork from the adjuster)
How can I have them pay for the genuine part?
Can I file a complain against them?
Well, you can file a complaint with the department of insurance or the insurance commissioner (different states call them different things). The problem is that your policy most likely have this language in it and it probably does not define it. Please see:
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