You have the right to request your insurance company use original equipment manufactured parts rather than aftermarket parts to repair your vehicle. If the insurance company deems these costs unreasonable, however, it might deny your claim.

Are aftermarket parts covered by insurance?

With some insurance companies, collision and comprehensive coverage will automatically include some small amount for aftermarket parts, typically $1,000. With other policies, no aftermarket parts are covered. If you’ve added a lot of aftermarket parts and haven’t bought special coverage, you’re not covered.

Does insurance have to pay for original parts?

Your policy will state what your coverage is and what parts are allowed. You have the right to use OEM parts, even if your insurance policy does not cover them. You may have to pay the difference in price out of pocket. Currently, there is no law requiring a technician to follow OEM repair procedures and use OEM parts.

What happens if you don’t tell insurance about modifications?

What happens if you don’t declare modifications to an insurance provider? Your insurance will be void if you don’t declare the modifications to an existing plan. You will be committing fraud if it’s not declared at the point of application as you have not provided accurate information deliberately.

What mods can I do to my car without voiding insurance?

These include:

• Turbo/supercharging.
• Bodywork changes.
• Transmission or gear change.
• Exhaust modifications.
• Air filters.
• Body kits or panels.
• Specialist paintwork.
• Uprated brakes.

  Does AutoZone sell OEM parts?

  If something is wrong with your vehicle, take a quick trip to AutoZone for any car, SUV, or truck auto parts you need. We carry both genuine OEM and aftermarket parts that meet or exceed OE performance. AutoZone makes buying vehicle replacement parts easy.

  Can a car insurance company force you to use aftermarket parts?

  Getting OEM Parts for Your Damaged Vehicle. You have the right to request your insurance company use original equipment manufactured parts rather than aftermarket parts to repair your vehicle. If the insurance company deems these costs unreasonable, however, it might deny your claim.

  Why are OEM parts preferred by insurance companies?

  Insurers prefer aftermarket parts to keep costs down, while body shops prefer OEM parts to make more of a profit on repairs.

  How are aftermarket parts covered by GAP insurance?

  With other policies, no aftermarket parts are covered. If you’ve added a lot of aftermarket parts and haven’t bought special coverage, you’re not covered. If a thief steals your 22s, you’re rolling on factory steelies when the insurance check comes in. If your car is financed, your mods aren’t covered by gap insurance.

  Is it safe to use aftermarket car parts?

  Collision-repair associations and repair shop owners generally believe that aftermarket parts are unsafe because they are inferior to OEM parts in fit and finish. Vehicle manufacturers generally believe that because the safety impact of non-OEM parts is uncertain, OEM parts should be used to ensure a vehicle performs to its original specifications.