Why Do Insurance Companies Use Aftermarket Parts?

Can an insurance company make you use used parts?

Since your vehicle was used, they can probably use some form of used parts, but they must be quality parts.

If you are making a claim under your collision coverage, your insurance policy language will state the type of parts your insurance company can use..

Do insurance companies have to pay for OEM parts?

Sometimes OEM parts are just not an option covered by insurance. … Your insurance will cover the cost of the aftermarket parts, and you can tell the body shop you want OEM parts. You will be responsible for covering the difference in cost between the aftermarket parts and the OEM parts.

Can I demand OEM parts after accident?

Yes, you can always request original equipment manufacturer parts after you’ve had an accident. Some insurance companies might make you pay extra for OEM parts. Most insurance contracts obligate the insurance company to restore your vehicle to the same condition it was in before the loss.

Should you use OEM parts?

The difference is that OEM parts are made by and for the manufacturer of a vehicle, and aftermarket parts are similar, but not made by the manufacturer of a vehicle. OEM parts are designed exactly like the original parts put in your vehicle. … If you don’t know much about the parts in your car, OEM is a safer choice.

Are aftermarket parts safe?

Because they don’t change a car’s safety and crashworthiness, where cosmetic parts are sourced is a matter of price and availability. Using aftermarket parts, as long as they are reliable and well-made, should not impact your vehicle’s function, safety, or warranty.

Is OEM parts better than aftermarket?

Original equipment manufacturer (OEM) parts match those that came with your car, and are of the same quality as its original parts. They’re also the most expensive. Aftermarket parts are cheaper, and made by other manufacturers — often several, giving you more options.

Which insurance companies use genuine parts?

“IAG is the first insurer to commit to encouraging smash repairers to use genuine parts, which is a massive step forward for the safety of Australian consumers.

What is the best brand of aftermarket car parts?

World’s Best Aftermarket Car Part BrandsRobert Bosch GmbH. BOSCH is a German multinational engineering and technology company and is one of the world’s largest and oldest automotive parts manufacturers.Denso Corp. … Magna International Inc. … Continental AG. … Hyundai Mobis. … Lear Corp. … Febi Bilstein. … Visteon.More items…•

Is OEM a good brand?

Are OEM products worth buying? … No, OEMs are usually lower quality than the replacement ones. OEM headsets, USB cables and USB chargers that came from brand new handsets are usually lower quality and performance than the branded replacement accessories.

Can I remove aftermarket parts from my totaled car?

Parts can be removed from a totaled car, but the total loss value will be reduced due to their absence. If you exchange the removed parts with a different type of component, expect the total loss value to be adjusted reflective of the condition or type of part with which you are replacing.

What is the difference between OEM and genuine parts?

OEM, Original equipment manufacturer part is a part made by the manufacture or made for them to their specification but an external company. A genuine part is a part supplied by the vehicle manufacturer in their packaging. Aftermarket parts are parts produced by any other company.

Does AutoZone sell OEM parts?

If something is wrong with your vehicle, take a quick trip to AutoZone for any car, SUV, or truck auto parts you need. We carry both genuine OEM and aftermarket parts that meet or exceed OE performance. … Browse AutoZone’s parts catalog to find what you need to buy your auto parts online.

Are aftermarket parts used?

What are Aftermarket Parts? Aftermarket parts are replacement parts that are not made by the original equipment manufacturer. Aftermarket parts are used to replace damaged parts in automobiles and other equipment, but their use may alter the coverage of an insured item.

Do Aftermarket Parts decrease value?

The use of OEM car parts has little to no effect on the value of your vehicle. Certain aftermarket upgrades, however, can have an effect. … Too many upgrades and you may find that you’ve actually lowered the overall value of the vehicle, despite the combined value of the upgrades.

Which auto parts store has the best quality parts?

Top Auto Parts Stores in the USA:NAPA Auto Parts. NAPA auto parts started their journey back in 1925 in the motor city. … RockAuto. One of the OG of the online auto parts store community, RockAuto was founded back in 1999. … AutoZone. … AutoPartsWarehouse. … Advance Auto Parts. … CARiD. … JC Whitney. … PartzRoot.More items…•

What is the best website for aftermarket car parts?

6 reputable and affordable places to shop for car parts online — according to a car enthusiastAdvance Auto Parts. Shutterstock. Shop all auto parts and accessories at Advance Auto Parts now. … Pep Boys. Chris Urso/TBO. … Walmart. Shutterstock. … Amazon. Amazon. … eBay Motors. eBay. … Tire Buyer. Tire Buyer.

Can insurance companies force you to use aftermarket parts?

You have the right to request your insurance company use original equipment manufactured parts rather than aftermarket parts to repair your vehicle. If the insurance company deems these costs unreasonable, however, it might deny your claim.

What is the purpose of the regulation on aftermarket crash parts?

It is intended to regulate the use of after market parts in automobile damage repairs which insurers pay for on their insured’s vehicle. The regulation requires disclosure when any use is proposed of a non-original manufacturer part.

Are aftermarket parts as good as original?

An aftermarket part is any part for a vehicle that is not sourced from the car’s maker. If the parts are direct replacement parts, they will not void your car’s warranty. … Some aftermarket parts are equal to or better than the OEM part. If the price seems too good to be true, beware of poor quality parts.

Does State Farm use aftermarket parts?

State Farm® keeps the promise of “Good Neighbor” service every day as we pay individual claims. Our promise includes a commitment to your satisfaction regarding new non-original equipment manufacturer (non-OEM), recycled, and OEM Surplus parts used in the repair of your vehicle.

Do body shops use original parts?

Body shops love OEM parts. All but the most discerning owners won’t notice that a part doesn’t fit as smoothly as the original. Body shop owners love OEM parts because they make a lot more money from them. But the body shop will still get a kickback from the insurance company if it uses aftermarket parts.