Insurance Claims: Will OEM Parts Be Used?

After your car is involved in an accident, you typically file a claim with your insurance company and take the vehicle to a local auto body shop for repairs. Most people don’t think much about the parts used during the repair process, assuming that their insurer wants the vehicle back in safe, road-ready condition. However, many insurance companies look for ways to reduce costs, sometimes at the expense of quality. One common cost-cutting measure is asking customers to submit photos of the damage through a mobile app or recommending the use of aftermarket parts instead of original equipment manufacturer (OEM) parts. In some cases, insurers even refuse to cover OEM parts entirely. This can lead to long-term issues, as lower-quality parts may not last as long or perform as well as the original ones. When it comes to auto repairs, the debate between OEM and aftermarket parts is ongoing. OEM parts are manufactured by the same company that made your vehicle, ensuring a perfect fit and performance. Aftermarket parts, on the other hand, can vary widely in quality. Some are high-quality and come with warranties, while others are cheaply made and may not fit properly, leading to more frequent replacements. Historically, auto body shops used only OEM parts until the 1970s, when the rise of aftermarket parts brought down prices but also led to a less regulated industry. Without strict quality controls, the reliability of aftermarket parts can be unpredictable. While they might save you money upfront, they often wear out faster and could lead to more costly repairs down the line. If you're getting your car repaired, it's important to ask the shop whether they use OEM or aftermarket parts. At DaSilva’s Auto Body, we always use OEM parts for all our repairs. However, not all states require full disclosure of this information, so it's crucial to stay informed. If you choose to go with aftermarket parts, make sure they come with a warranty and that the terms are clearly documented. This way, you know what to expect if something goes wrong. Don’t forget to check with your insurance carrier as well. They play a big role in determining which parts are covered. You may need to adjust your policy to include coverage for OEM parts, which could mean a higher premium. Alternatively, your insurer might agree to cover repairs with aftermarket parts, but you may have to pay the difference for OEM parts yourself. For vehicles over 10 years old, OEM parts may no longer be available. In such cases, you might have to rely on aftermarket or used parts. Before proceeding with repairs, always ask the auto body shop if OEM parts are still available for your specific make and model. At DaSilva’s Auto Body, we prioritize quality and transparency. We work closely with your insurance carrier and keep you informed throughout the entire process. Whether you need repairs or routine maintenance, we’re here to help. Make an appointment today and ensure your vehicle gets the best possible care.

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