Can my insurance company require me to use certain types of auto repair parts?
Your insurance company can’t require you to use only certain kinds of auto repair parts. However, if the insurance company’s rates are based on a certain type of part and you want something different, it can ask you to pay the difference if the part you want is more expensive. The parts most frequently damaged in auto accidents are “crash parts”. These are the sheet metal pieces that cover the engine and frame of the car. There are two sources for crash parts: auto manufacturers, who sell them under their own names, also known as original-equipment manufacturers (OEMs), and generic or aftermarket crash parts suppliers. Studies have demonstrated that these crash parts do not affect the safety of the car. The development of a market in generic parts has brought prices for car replacement parts down and can help consumers save money. In general, if generic parts have been ordered for the repair of your car, this information must be disclosed. The car repair order should state that the par
Your insurance company can’t require you to use only certain kinds of auto repair parts. However, if the insurance company’s rates are based on a certain type of part and you want something different, it can ask you to pay the difference if the part you want is more expensive. The parts most frequently damaged in auto accidents are “crash parts”. These are the sheet metal pieces that cover the engine and frame of the car. These may be parts known as original equipment manufacturer (OEM) parts, or generic parts. These crash parts do not affect the safety of the car. The development of a market in generic parts has brought prices for car replacement parts down and saved consumers money. In general, if generic parts have been ordered for the repair of your car, this information must be disclosed. The car repair order should state that the parts are not from the original manufacturer and the warranty may be different. Many generic parts are made at the same factories as OEM parts, and in f
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