OEM vs. Aftermarket Parts: What Insurance Covers & What’s Best for Your Car

 When it comes to maintaining and repairing your vehicle, one of the most critical decisions you'll face is whether to use Original Equipment Manufacturer (OEM) parts or aftermarket parts. Both options have their pros and cons, and understanding these can help you make an informed choice that suits your needs and budget. Let's dive into the differences between OEM and aftermarket parts, what insurance typically covers, and how to determine what's best for your car.

Understanding OEM and Aftermarket Parts

OEM Parts
OEM parts are manufactured by the same company that made the original parts for your vehicle. They are designed to fit perfectly and function as intended because they adhere to the same specifications as the parts installed when your car was first built. Typically, OEM parts come with a warranty, providing peace of mind regarding their quality and reliability15.

Aftermarket Parts
Aftermarket parts, on the other hand, are produced by third-party manufacturers. These parts can vary significantly in quality, price, and compatibility. While they often cost less than OEM parts, there's no guarantee that they will fit or perform as well. Some aftermarket options may even exceed OEM specifications, but others may not meet safety standards or could void your vehicle's warranty.

Pros and Cons

FeatureOEM PartsAftermarket Parts
CompatibilityGuaranteed fitMay vary in fit
QualityHigh, with warrantyVariable quality
CostGenerally higherOften lower
OptionsLimitedWide range of choices

What Insurance Covers

When it comes to insurance coverage for repairs using either type of part, it generally depends on your policy and the specifics of the claim. Most insurance policies will cover both OEM and aftermarket parts; however:

  • OEM Coverage: If you choose OEM parts for repairs, your insurance may cover the full cost since these parts are often seen as necessary for maintaining the vehicle's value.

  • Aftermarket Coverage: While many insurers also cover aftermarket parts, they may only reimburse you for the cost of equivalent OEM parts unless specified otherwise in your policy. This means if you opt for cheaper aftermarket options, you might end up paying the difference out of pocket.

It's crucial to check with your insurance provider to understand what is covered under your specific plan.

What’s Best for Your Car?

Choosing between OEM and aftermarket parts ultimately comes down to a few factors:

  • Budget: If you're looking to save money and are willing to take a risk on quality, aftermarket parts might be appealing.

  • Longevity and Reliability: If you want assurance that the part will last longer and function correctly without issues, OEM is typically the safer bet.

  • Warranty Considerations: If your vehicle is still under warranty, using OEM parts may be necessary to avoid voiding that coverage.

  • Type of Repair: For critical components like brakes or engine parts where safety is paramount, opting for OEM might be wise. For less critical repairs or modifications, aftermarket could suffice.

Infinite Collision Services

If you're considering where to get repairs done using either type of part, facilities like Infinite Collision offer a range of services tailored to your needs. They can help guide you through the decision-making process regarding whether to use OEM or aftermarket parts based on your specific situation.

In conclusion, both OEM and aftermarket parts have their place in vehicle maintenance. By weighing their pros and cons against your budget and needs—and consulting with professionals like those at Infinite Collision—you can make a choice that keeps your car running smoothly for years to come.



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