Are you in a car wreck? Your main concern at this point is to get a quick repair, right? And you aren’t probably thinking about the spare parts the shop will use to fix your car. But still, it’s important to understand the basics. It’s high time you undertake the right measures to tame this habit.
Auto body shops typically have numerous types of parts. And different car insurance companies offer different terms depending on the kind of coverage you purchase. Keep reading to find out what car parts different insurers and body shops use.
Original Equipment Manufacturer
OEMs are the original pieces of equipment designed and produced by your vehicle’s manufacturer. They’re brand-new parts that go directly to your car. And since they’ve never been used before, OEM parts are usually more expensive than other options. Plus, they might take longer to receive.
Body Shop and OEM Parts
Most people love OEM parts. And that’s mainly because they fit perfectly into your car without the need for any adjustments. Repair shops also make more profit on repairs made using these types of parts. Simple repairs and more money left in the pocket have made OEMs the ultimate choice for body shops.
However, insurance companies aren’t a huge fan. Remember, insurance companies strive to keep their expenses as low as possible. So, they’ll only pay for the cost of original equipment (OEM parts) if there’s no other option or if you’ve extra money for an OEM endorsement.
The Aftermarket Parts
Aftermarket parts are often produced by a company other than your original vehicle’s manufacturer. The parts are brand-new, and they haven’t been used before. The only difference is that they aren’t bought directly from your car manufacturer. Of course, they’re available at a lower price, but they still function well.
The specifications on aftermarket parts are very close to the specs on OEM parts.
Body Shops and Aftermarket Parts
Most body shops handle repairs made using OEM parts, as well as those made using aftermarket parts. Your vehicle’s repair will look exactly as it did before experiencing any damage. But sometimes, adjustments might only need to be performed by the body shop repair people to get the parts to fit perfectly.
Insurance companies usually prefer using aftermarket parts to OEM parts since they’re much cheaper. Reducing the cost of the claim is every claim adjuster’s primary goal. If aftermarket parts were never utilized, the high cost of OEM parts would send insurance costs soaring. Remember, standard insurance coverage only covers aftermarket parts, not OEM parts.
Used Car Parts
Used parts often come from the junkyard. Numerous vehicles get discarded every day for different reasons. Things like a car accident, engine trouble, or age can make a car obsolete. And most of the time, various parts are still functional on a discarded vehicle. Such parts can be resold individually to be utilized in repairing other vehicles. Used parts are simply OEM parts that have already been used.
Conclusion
If you truly value your car, take good care of it. Don’t just perform repairs for the sake of doing it. Take time to choose high-quality car parts that perfectly suit your specific needs. Remember, different car insurance providers offer different policies. It’s also important to find cheaper insurance for your car. Also, settle for one that uses high-quality parts.
https://www.upscalelivingmag.com/car-parts-used-by-insurers-when-processing-automate submission distribution-claims/,
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