You may believe that original equipment manufacturer parts are always better to use instead of aftermarket parts when you need to repair your car. Opinion is divided over whether or not aftermarket parts are just as good, or sometimes even better, than the same parts that were installed in your car when it rolled off the assembly line. Regardless of the various opinions, you always have a right to use OEM parts if your car has been in an accident.
If you have an insured loss as a result of an auto accident in Coppell, Texas, your insurance company may or may not pay for original equipment manufacturer parts. You must ask your independent agent before you sign-up for a new auto insurance policy if it specifically will pay for OEM replacement parts if you need to file a claim.
Insurance companies vary in the type of parts they will allow you to use to get your car repaired. They are required to at least use replacement parts that will restore your vehicle to the same condition as it was before the accident. Some policies specifically state that they will pay for OEM parts after an insured loss, while others may say they will only pay for some types of OEM parts.
The main reason that insurance companies like to use aftermarket parts instead of OEM parts is that they can cost up to 60 percent less and those savings help them keep premiums low for all drivers they insure. In some cases, you may have to pay a higher premium if you want a guarantee that you will receive OEM parts for repairs after an accident.
If you are looking to find an insurance company that will let you use OEM parts and not charge you a crazy premium for the privilege, give us a call and an independent agent will research the different auto insurers. With just a little research, he or she will get you an affordable car policy that will meet your needs.
