How to Get OEM Parts for an Insurance Claim

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Learn how to get OEM parts used for your car insurance claim .

Request OEM parts in advance.

If OEM parts are important to you, you will need to look for a car insurance carrier which offers OEM parts. Some insurance carriers do not offer them at all. When you are shopping for car insurance, make OEM parts one of your top questions.

Even if an insurance carrier offers OEM parts, they are probably not automatic on a standard policy. You will need to request the coverage and most likely pay an additional fee to get it.

OEM parts are best suited for newer vehicles. It could be impossible to get OEM parts for older vehicles.

What if my insurance carrier does not offer OEM parts?

Sometimes OEM parts are just not an option provided by insurance. It does not mean you

have to go with after market parts. If OEM means everything to you, you can pay the difference. Your insurance will cover the cost of the after market parts and you can tell the body shop you want OEM parts. You will be responsible for covering the difference in cost between the after market parts and the OEM parts.

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The cost could add up quickly so make certain you will be happier knowing the parts are straight from your car manufacturer.

Why don't insurance carriers always use OEM parts?

Insurance carriers are supposed to do what they can to get your car back to its original condition before the accident. Most average drivers can not tell the difference between an after market part and an OEM part. If you prefer OEM, plan on paying a little bit more for the coverage.

Source: carinsurance.about.com

Category: Forex

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