Does an insurance company have to use OEM parts?

Currently, there is no law requiring a technician to follow OEM repair procedures and use OEM parts. The state of California doesn’t even require technicians to have a license to work on your car. This means they can do whatever they want in the repair process and not have a collision repair officer monitoring them.

Do insurance companies have to use new parts?

CCR Section 2695.8(g)(1) provides that no insurer shall require the use of non-original equipment manufacture replacement crash parts in the repair of an automobile unless “the parts are at least equal to the original equipment manufacturer parts in terms of kind, quality, safety, fit, and performance” (emphasis added) …

Does insurance pay for aftermarket parts?

Some insurance policies cover aftermarket parts. Your insurance policy may or may not cover aftermarket parts. Usually, if there’s coverage, it’s only for a low amount. Most standard insurance policies either don’t cover aftermarket parts at all or they pay only a small amount for them.

Does Allstate use aftermarket parts?

A spokeswoman for Allstate does say that it “has a policy of customer choice when it comes to the use of aftermarket crash parts or OEM parts.” Allstate says it authorizes only aftermarket parts that are certified by the Certified Automotive Parts Association, and even then only when they’re for cosmetic rather than …

What should I ask a claims adjuster?

Important Questions To Ask An Insurance Adjuster

• Will they admit fault for the accident?
• Will they pay for your car repairs, your rental car, and your medical bills?
• How much insurance did their driver carry?
• This is all information that you’re entitled to ask and you’re entitled to know in an accident case.

What can you do if a body shop does a bad job?

If you get your car back from the shop and aren’t impressed with the work they performed; document the issue, talk to them about the problems, request a refund or for the work to be redone, and finally consider speaking with an attorney.

Should I tell my insurance company about modifications?

A major risk of not telling your insurance company that you have made modifications to your vehicle is that your claim may be denied if you are in an accident. Making modifications without notifying your insurance company is considered a violation of your contract.

Can an insurance company force you to use aftermarket parts?

If the insurance company deems these costs unreasonable, however, it might deny your claim. Contact an expert injury attorney if an insurance company is trying to force you to use aftermarket parts for your vehicle repair.

Can the shop install aftermarket parts in my vehicle?

The shop may (and likely will) install aftermarket parts in your vehicle instead of using only original equipment manufacturer (OEM) parts. If you have an issue with this, you may be able to work a different agreement out with the insurance provider.

Do insurance companies have to use OEM parts for auto repairs?

Not all states have laws addressing an insurance company’s obligations to use OEM crash parts during vehicle repairs. Thirty-one states require insurers to provide disclosures with repair estimates that address using aftermarket parts. Only 13 states require that aftermarket parts must be of like kind and quality as OEM parts.

Can insurers dictate which parts a mechanic uses for repairs?

Insurance companies must also issue notices to policyholders stating that the claimant has the right to dictate which parts a mechanic uses for repairs. However, the insurance company does not have to pay more than a reasonable amount for parts.