Can My Colorado Insurance Provider Use Aftermarket Parts to Repair My Vehicle?

Posted in Auto Insurance

Enduring an auto accident can be a trying time for anyone. Especially if there is significant damage to your car, and it has to be repaired. Not only are you without transportation, but you hope your car is restored to pre-accident condition.

It’s part of your Colorado auto insurance contract that the insurer will repair your vehicle to its prior condition. However, you need to understand what that may mean.

Original Equipment Manufacturer Parts are Not Generally Covered

During the repair of your vehicle, your insurer will send you over the estimate of repairs. In this estimate, you will find all the costs broken down.

In the estimate, you will find that most insurers do not use OEM or Original Equipment Manufacturer Parts but instead will use aftermarket parts. Generally, both will work on your vehicle the same. Cost-wise, however, aftermarket parts are less costly, and thus, the reason insurers will choose to use them.

How to Get OEM Parts on Your Vehicle

Some Colorado insurance companies will allow the use of OEM parts to your vehicle as long as you pay the difference.

When shopping for auto insurance, be sure to if OEM parts are covered under the policy or if coverage may be added. You may pay a higher premium, but you will have the satisfaction of knowing if an accident occurs, you will get the parts you want on your vehicle.

Aftermarket Parts May Not Be an Option

There are instances where aftermarket parts may not be an option for your vehicle. A particular part needed for the repair of your car may only be available from the original manufacturer. In this case, insurance would have to cover the parts.

OEM Parts May Not Be an Option Either

If you have an older vehicle, chances are very high that you may not be able to find OEM parts to repair it. In this situation, you have no other option but to use aftermarket parts.

The Takeaway

While you may feel that OEM parts fit and perform better on your vehicle than aftermarket parts, technically there is no difference. With that being said, it’s of the utmost importance you choose an auto repair shop that provides a guarantee or warranty on the repairs.  Most auto insurance carriers will have their recommended repair facilities, do your research before committing to one.

Also, when you are taking out a new policy, ask how repairs are handled after an accident. Can you request OEM parts? Pay the difference? It will save you a lot of headaches later down the road, knowing what you are getting into. If your carrier allows you to add coverage for OEM parts,  do so if you want the added peace of mind.


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