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Can I demand original equipment manufacturer (OEM) parts in the repair of my vehicle?

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Yes, you can always request original equipment manufacturer parts after you've had an accident. Some insurance companies might make you pay extra for OEM parts.

Most insurance contracts obligate the insurance company to restore your vehicle to the same condition it was in before the loss. Sometimes this requires the use of original equipment manufacturer (OEM) parts and sometimes after-market parts can be used. After-market parts are parts made by a manufacturer other than the original manufacturer.

Some states have laws concerning OEM parts. Most states permit the use of after-market parts as long as they are warranted by the manufacturer to be of like kind and quality as OEM parts, but you don't have to accept them. The final choice is yours but if the insurer wants to use non-OEM parts and you decide to use more expensive OEM parts, you may have to pay the difference in cost.

State regulations typically require the insurer to clearly indicate in writing on the appraisal which parts are after-market parts.

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1 Responses to "Can I demand original equipment manufacturer (OEM) parts in the repair of my vehicle?"
  1. Glenn Misko

    Vehicle was less than 1 yr. old when hit by State Farm customer. Had to give State Farm time to contact client because client wouldn't contact State Farm to man up in clear cut case. State Farm ignores my statement that I'm only accepting OEM part for repair. How can they get away with using non-OEM parts for a vehicle less than 1 yr. old? Insurance is a betting game tilted in the favor of insurance companies. Public is a money printing machine for them. Less than a $60 difference in the part. Truck was mint prior to their client hitting me. Man up State Farm. I'm not asking for anything more than putting the truck back to what it was before being hit. Always a headache when your on the payout side.

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