How to Ensure Your Insurance Covers OEM Parts for a Safer, More Reliable Repair

Finding a suitable repair solution after a car accident can be overwhelming. One of the most crucial factors is whether your
insurance covers OEM parts or not. Using OEM parts guarantees your car receives the best replacements designed for your make and model. This safer, more reliable repair is the result of using OEM parts. In this blog by
Infinite Collision, we'll walk you through the steps to ensure your insurance covers OEM parts for a safer
, more reliable repair. We’ll explain why it's essential and what to do if you encounter any problems.
Why You Should Demand Insurance Covers OEM Parts For Repairs
When you take your car to a car shop in Roswell, Georgia, or any other repair shop, you may choose between OEM and aftermarket or used parts. But what's the difference, and why should you demand that your insurance cover OEM parts?
Safety and performance
The manufacturer who originally built your car produces OEM parts. These parts provide nearly exact fits based on the original designer's intent, ensuring your car maintains its optimal performance. However, aftermarket parts cater to a wide range of vehicle types. Therefore, the quality of these parts needs to be improved. The cheaper ones may not ultimately perform as one would hope for when accidents occur or when they are subjected to excessive wear and tear over time.
When you order OEM parts, you are, in effect, putting your safety first. Let's say, for example, that your
collision repair involves the airbags or crumple zones. In this scenario, the aftermarket parts would offer less protection. When you choose a company whose
insurance covers OEM parts, your car performs as it did before the accident.
Protect the value of your car
The resale value of your car may depreciate if repaired with aftermarket parts. Many buyers look for a fully original vehicle. By using OEM parts, you can enhance your car's resale value, as the buyer can rest assured that the repairs adhere to the manufacturer's standards. Suppose your car shop utilizes OEM parts. In that case, you will likely feel assured about the strength and longevity of your repair.
Decrease in Future Issues
Using OEM parts would mean fewer compatibility problems in the future. You need to precisely fit aftermarket parts, which could lead to a breakdown or necessitate additional repairs. Knowing whether your insurance covers OEM parts ahead of time will keep you from getting headaches later on and extra expenses.
How To Get Your Insurance Covers OEM Parts:
Now that we have learned the importance of OEM parts let's talk about how to make sure your insurance covers OEM parts if you need a repair next time.
Review your insurance policy
First things first, examine your automobile policy closely. Most policies have provisions that describe what type of parts the policy will use to repair your vehicle. Look for a clause specifying OEM parts, aftermarket parts, or "like kind and quality" replacements. If you require further clarification, contact your agent and inquire about their willingness to cover the cost of replacing it with OEM parts.
If your policy doesn't specifically mention OEM parts, don't panic. If you argue that OEM parts are safer and more reliable, you can often negotiate with your insurance company.
Negotiate with Your Insurance Adjuster
An insurer will be assigned to you once you file a claim after the accident. This is the time to let them know you want OEM parts. Make them understand it's not only a safety factor but also protects the value of your vehicle.
Explain how collision repair with non-OEM parts might later haunt you and devalue your vehicle. If they continue to resist, remind them that OEM parts guarantee the highest safety standards for your car, which could secure their approval of your request.
Ask your repair shop to be your advocate
When you bring your car into a car shop in Roswell, Georgia, and you're talking with the mechanics or owner of the shop about your need for OEM, most of the good shops are already pretty hip to this conversation. If you've been upfront with your insurance adjuster, they should comply with your request for OEM parts.
Many repair shops are well-associated with insurance companies. They can negotiate on your behalf to allow the OEM parts. They'll be able to explain to the insurance company why particular repairs require certain parts and how using OEM parts works out in favor of them both in the long run.
What Do You Do If Your Insurance Covers OEM Parts Gets Refused?
Unfortunately, some insurance companies may refuse to reimburse OEM parts' costs despite your valid arguments. However, rest assured, alternative options are available if your insurance covers OEM parts.
File an appeal
If the insurance adjuster denies your request for OEM parts, ask how to get an appeal. Usually, companies respect customers' rights to appeal a decision, especially if it involves safety. Present your car shop in Georgia with any documentation to justify the need for OEM parts for a high-quality repair.
Bring all the evidence supporting the need for OEM spare parts specific to your car's make and model. Providing more evidence increases the likelihood of overturning the ruling.
Paying the Difference
Sometimes, your insurance company might accept the cost of one OEM part but pay for the entire repair. You could negotiate by offering to cover the remaining cost. While it may not be the best option, it guarantees the highest quality of repairs for your car.
Given the long-term repair savings and their safety, the premium for OEM parts pays for itself.
Look for an Insurance Rider
Customers can purchase riders or add-ons from some companies to guarantee that their insurance will cover OEM parts. If your policy does not cover OEM parts, you could ask your insurance company if they have an add-on.
This will be a beneficial way of ensuring peace of mind regarding any repair work in the future, knowing you'll have the best available parts.
Switch to a more OEM-friendly insurance company
If you've tried everything and your insurance company still won't cover OEM parts, then now is the time to find another one. Look for an insurance company that prioritizes OEM parts in their policies, as each company has a unique approach to repairs, and you may need to be flexible.
Conclusion
In summary, ensuring your insurance covers OEM parts is one of the best ways to continue protecting your car after an accident involving any collision. You guarantee your safety and maintain your car's value and performance using high-quality, manufacturer-specific parts. Check your policy and discuss your concerns with your adjuster before going to a car shop in Roswell, Georgia, or another repair shop. It would help if you fought for the correct part. Your vehicle is a significant investment; thus, insisting on OEM parts ensures it receives the best care possible.