Important Auto Insurance Issues Part 5

With the regular problems that road users can face with regards to changing auto insurance companies and purchasing GAP coverage, attention can turn to a rarely-considered part of any auto insurance claim; the choice between using OEM replacement parts or an aftermarket alternative.

The Real Difference between OEM and Aftermarket Parts

Many road users would rightly believe that having an accident will simply be the start of a series of difficulties. The claims process, arranging alternative transport and losing time from work to take care of the situation are frequent problems that arise but many drivers fail to think about the issues presented by auto insurance companies that insist on using aftermarket parts.

Non-OEM manufacturers and auto insurance companies often insist that are a very few differences between patterned parts and those that are sent out by the factory who originally made the vehicle. However, many vehicle owners prefer to keep the cars as original as possible and insist on OEM parts being used.

The real difference, as far as auto insurance companies are concerned, is the significantly cheaper price placed on aftermarket parts when compared to original pieces. Some companies, such as the Chubb Insurance Group, insist on OEM parts being used as a sign of their commitment to quality. However, this makes their services more expensive and the company is usually preferred by high-end users.

In truth, road users have the right to insist on OEM parts as long as the total cost of repairs remains below the current market value of the vehicle. If an auto insurance company tries to force you into having aftermarket parts fitted to your vehicle, be prepared to stand your ground and check for genuine OEM markings on replacement parts after your vehicle has been repaired.