Your auto insurance company will not solve your car "good as new"?

Richard J Koreto.

A car accident crushes your front bumper, your headlights and even your radiator. You'll want the mechanic to make your car looks and runs as good as new.

But your vehicle will receive the same kind of parts, that it had when it rolled off the coast of the Assembly line? Or you will have to do with the non-usine parties? Will be your auto insurance company allow you to choose the items you want to?

The answers to these questions are: "It depends."

OEM parts and servicing

Some auto insurance companies dictate if your car is repaired with parts original equipment manufacturer (OEM) or spare parts.

You have two main choices in the binding of your car: original equipment manufacturer (OEM) parts and spare parts, which are produced by other companies not connected with the manufacturer of the car. The great advantage of spare parts is their cost: OEM parts can cost more than 60%. But they are worth?

Russ Rader, a spokesman for the Insurance Institute for Highway Safety, said a report by 2010 Institute that has delivered mixed results. For example, in a collision comparing bumpers OEM and aftermarket test in a Dodge Ram, both performed well. But in another test - with a Toyota Camry - "there were clear differences," according to the report of. In this test, the OEM part performed much better than the secondary market.

However, auto insurance companies generally believe spare parts are as well as OEM parts. If you want to ensure that the OEM parts, you have to dig deep into your pockets.

Richard McGrath, Chairman and CEO of the McGrath Massachusetts insurance group, noted that some insurers will not pay for the OEM parts. But McGrath, that you probably want to these parties because they are more reliable and more durable than spare parts.

However, do not forget your own situation: If you have an older car, OEM parts can even not available more. And even if they are, you may not care if the parts that you are replacing will take a long time, especially if you intend to sell your car in one year or to any event.

McGrath also advises owners of car to separate the cosmetics of functional considerations. Consider a paint job. "A car painted on one day is likely not exactly match a car painted last year, even if they are painted with the same standard color," McGrath. ""Several insurance carriers pay to have the mixed paint so that it looks like even." ?

You can take up more on the paint job if you drive a newer car. However, the average car on the road is now 10 years old.

Be informed of what is covered

Amy Bach, General Director of the advocacy group non-profit United policyholders, advises consumers to take responsibility for whether covering their policies. If the insurer does not clear rules in the policy, it offers an insider view to help discover you what you get: "" insurers have a schedule of payment for all - and it is calibrated for spare parts."

This means that even if insurers do cannot not specifically state "no OEM room", they will jump you through hoops to get these parts. So if you decide to OEM parts are essential for you, look for advice. If your insurer said it will send you a provider approved for repairs, which is a good sign that you will obtain spare parts. With most motor insurers, a body shop gets to be an official supplier in keeping costs low.

However, if you choose your repair shop, find one who prefers to use OEM parts. You and your mechanic and then will have a crack to convince the insurer that the OEM parts are essential.

No standard for parts of the industry

That auto insurers say on OEM from spare parts? Bob Passmore, Senior Director of policy at the Property Casualty insurers Association of America, recommends that consumers that there was no industry standard for the parts of the car.

"Every policy is different." Some might have on the secondary market ' ' written in policy, while others do not, "says Passmore. "Some use after-sales all the." Others use after-sales parts of cosmetics, while some companies will pay for OEM for cars which are less than a year. ?

Although Passmore said it is possible to buy a policy that ensures that OEM parts in all the circumstances, it may be difficult to find - and expensive.

Individual auto insurance companies are reluctant to discuss the issue.

A spokesman for Allstate said that he "was a policy choice of the client when it comes to the use of spare crash or OEM.". Allstate, said that it allows only spare parts are certified by the Association of automotive parts certified and even then only when they are for cosmetic rather than structural corrections.

Whatever you choose, keep in mind that, as with so many aspects of the automobile, it is a balance between what you want and what you can afford.

As Allstate says: "the price competition generated by the availability of parts (aftermarket)" has helped to keep costs low for Allstate to repair - and most other carriers - provide consumers with affordable automobile coverage.""

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