Insurance Claims: Will OEM Parts Be Used?

After your car is involved in an accident, you typically start 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 being used, assuming that their insurance carrier wants the car back in safe, road-ready condition before it leaves the shop. Unfortunately, some insurance companies look for ways to cut costs. They may ask you to submit photos of the damage via their mobile app or suggest using aftermarket parts instead of original equipment manufacturer (OEM) parts. In fact, many carriers explicitly refuse to cover higher-quality OEM parts, even if they are necessary for a safe and proper repair. ### The Case for OEM Parts The debate between OEM and aftermarket parts is common among mechanics and car enthusiasts. OEM parts are made by the same manufacturer as your vehicle, ensuring a perfect fit and performance. On the other hand, aftermarket parts can vary widely in quality. Some are high-quality and come with warranties, while others may be poorly made, not fit correctly, and offer no guarantee at all. Without proper research, choosing aftermarket parts can be risky. Until the 1970s, auto body shops used only OEM parts. Aftermarket parts became more popular due to lower prices, but this also led to an unregulated market where not all parts were tested for quality. As a result, while you might save money upfront, cheaper parts often wear out faster and can compromise your vehicle’s safety and longevity. ### Know Which Parts You’re Getting Next time you need repairs, ask the auto body shop whether they use OEM or aftermarket parts. While many shops prefer aftermarket options, DaSilva’s Auto Body uses OEM parts for every repair. However, it's important to note that not all states require full disclosure of this information—Connecticut being one of them. If you decide to go with aftermarket parts, always check if they come with a warranty. If they do, make sure to get the terms in writing so you know exactly what you're covered for. ### Check With Your Insurance Carrier Your insurance company plays a big role in the repair process. Be sure to contact them and ask about their policies on OEM parts. You may: - Need to upgrade your policy to one that covers OEM parts, which usually comes with a higher premium. - Have to negotiate with your carrier to cover the cost of repairs with aftermarket parts, but pay the difference for OEM parts yourself. ### OEM Not Available For Older Vehicles? For vehicles that are 10 years or older, the manufacturer may no longer produce OEM parts. While you might still find them through third-party suppliers, in many cases, aftermarket or used parts are your only option. Before any repairs are done, always ask the auto body shop if they have OEM parts available for your specific make and model. At DaSilva’s Auto Body, we prioritize safety and quality by using OEM parts whenever possible. We also work closely with your insurance carrier and keep you informed throughout the entire process. Whether you need major repairs or just routine maintenance, we’re here to help. Make an appointment today and ensure your vehicle is restored to its best condition.

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