Automotive Oem Parts Versus Aftermarket In Car Insurance Repairs

It's important to note that insurance companies recommend the use of aftermarket parts,which are much cheaper.Non-OEM manufacturers say that the difference between automotive oem parts and aftermarket parts is negligible.The result is that most insurance companies will not reimburse the repair costs when automotive oem parts are used.Yet where aftermarket parts are utilized,you will get a 100 per cent refund of the costs that you end up incurring.This means that when a policy hold insists on using quality automotive oem parts they wil only get refunded the difference it would have cost had they used non-OEM parts.

In many cases the automotive oem parts will cost you more money

Manufacturers of automotive oem parts and other advocates of it claim that after market parts are not subject to the same rigorous crash-testing procedures that automotive oem parts go through.The implication is that non-OEM parts are not as safe as automotive oem parts.This is however contradicted by the Insurance institute for Highway Safety (IIHS) who say that repairs with aftermarket parts does not degrade the safety of an automobile in a crash.

However what everybody knows is that the use of aftermarket parts decreases a vehicle's resale value.This will greatly concern those who plan on reselling or trading in their cars.You will have to make the final decision on whether or not to use automotive oem parts for your repair.If it's a high-end vehicle you may be forced to for OEM, even if you have to foot a substantial part of the repair bill,which will not be covered by your car insurance company.