Car Insurance Using Genuine Parts

  • 3 min read
  • Aug 04, 2021

Compare and Save up to 283 Today. Your insurance policy states they should repair your car to its pre-accident condition.


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Confusion over genuine name The Federal Chamber of Automotive Industries FCAI launched a campaign a while ago that promotes the use of genuine parts.

Car insurance using genuine parts. The Genuine is Best initiative aims to clear up common misconceptions and oversights surrounding buying parts. If you have an older car or discontinued model OEM parts may not be available even if your insurance covers them. Coverage for custom parts and equipment CPE — thats how its known — isnt particularly expensive especially if youre under 25 and already paying the highest rates youll see in your life.

Your auto insurance company is obligated to make you whole. Some insurance companies might make you pay extra for OEM parts. Most insurance policies will use aftermarket parts to repair your car.

Ad We Service All Insurance Companies. Depending on the insurance company and your level of coverage you might be receiving either original equipment replacement parts also called OEMs made by the vehicles manufacturer or components fabricated by a third party company also called aftermarket parts. According to the Bodyshop guy insurance companies are allowed to replace parts with non genuine parts.

While most states have insurance departments that theoretically oversee the replacement-part practices of car insurance companies only five have adopted consent or disclosure laws governing the use of generic parts according to the Property Casualty Insurers Association of America. Talk to your insurance agent about an OEM parts endorsement if thats what you prefer but know you will have to pay extra. This is because aftermarket companies frequently buy the rights to manufacture them using the template pattern from the original manufacturer.

Unfortunately this campaign can make the issue of genuine parts more confusing. They are Arkansas Indiana Kansas Rhode Island and West Virginia. Keep your vehicle 100 original and get peace of mind today.

Most likely your vehicle will be repaired with used or aftermarket parts in an insurance claim. Using inferior parts to repair your vehicle can depreciate your vehicles value and void your warranty and you probably wont even know it until its too late. Ad UK Car Insurance Quotes from 110 Providers.

Yes you can always request original equipment manufacturer parts after youve had an accident. If you have an issue with this you may be able to work a different agreement out with the insurance provider. Ad UK Car Insurance Quotes from 110 Providers.

Original Insurance guarantees 100 genuine manufacturer parts. Compare and Save up to 283 Today. Most drivers will pay only a few dollars a month for 5000 coverage.

Since your vehicle was used they can probably use some form of used parts but they must be quality parts. Furthermore this is a violation of your insurance policy. Designed to be fitted to cars as a cheap substitute for OE parts these might also be called replacement or pattern parts.

You can shop for car insurance that allows you to request OEM parts for repairs. If your auto insurance doesnt cover OEM parts you can still have them used for repairs as long as you pay for the difference in price out of pocket. My concern is how safe are these especially knowing that if a genuine.

Best to use genuine parts on vehicles. Under Georgia law the insurance company for the negligent driver is required to provide you with a vehicle in the same condition as before the crash. The shop may and likely will install aftermarket parts in your vehicle instead of using only original equipment manufacturer OEM parts.

Ad We Service All Insurance Companies. It is very common among most insurance carriers. If you want to make sure youll get OEM or genuine parts during a repair check with your insurer before purchasing a policy and make sure that its listed in your policy.

In North Carolina the auto insurance policy must have a disclosure if aftermarket parts may be used though you do have an optional endorsement for OEM parts. You want to ask the company what type of parts will be used in your car repair. Confusion arises because the term aftermarket covers a vast spectrum of quality.

Most insurance contracts obligate the insurance company to restore your vehicle. Auto insurance should restore your vehicle to the same or better condition than it was in prior to the claim.


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