Definition and Example of Alternative Parts
Alternative parts are spare parts used for repairing cars. These parts are not manufactured by the original manufacturer of the vehicle, unlike original parts which are made by them.
Insurance companies may have the option to use alternative parts instead of original parts when repairing a car after an accident. Many auto repair shops also use alternative parts in their repair processes.
The use of alternative or generic parts in repair processes should not interfere with your vehicle’s warranty. In some cases, alternative parts may have longer warranties than original parts.
How Alternative Parts Work
Alternative parts have gained popularity and acceptance as a good alternative to manufactured parts. They may even be better than original parts in some cases. Manufacturers of alternative or generic parts may use more expensive materials or more advanced technology than the car manufacturer.
Original parts cost on average 60% more than the price of comparable alternative parts. They are used by insurance companies and auto repair shops when fixing vehicles after accidents due to cost savings.
The insurance industry is regulated at the state level, so the use of alternative parts varies by state. States may allow insurance companies to use generic or alternative parts without consumer approval, require informing consumers if alternative parts were used on their vehicles, require consumer approval for using alternative parts, or ban the use of alternative parts for car repairs.
Regulations regarding the use of alternative parts can also vary among insurance companies. Some may require original parts to be used. Others might use alternative parts whenever possible to save repair costs.
You can ask your insurance adjuster what type of parts will be used in the repair. Some insurance companies may allow you to use original parts or may offer you the option with additional costs to cover the price difference.
Types of Alternative Parts
There are two main types of alternative parts. Understanding the difference can help you determine whether you are comfortable using generic parts in repairs or feel safer using original parts. Alternative parts can be either cosmetic or structural.
Cosmetic: Cosmetic parts affect how the car functions or looks but do not impact its safety in the event of an accident, such as side skirts, door skins, or trim. They do not impact the safety and crashworthiness of the vehicle, so the source of cosmetic parts depends on cost and availability. As long as the alternative parts are reliable and well-made, they should not affect the car’s performance, safety, or warranty.
Structural: Structural parts, such as hoods or safety chassis, are responsible for absorbing crash energy. They protect the driver and passengers. These parts must be certified by the Certified Automotive Parts Association (CAPA), which has high standards and guidelines for alternative parts.
The testing that the parts undergo for CAPA certification determines if they are “functionally equivalent” to original parts. This means they perform the same way in safety tests and are not just of similar type and quality.
Alternative Parts vs. Original Parts
Original Parts: Manufactured by the original manufacturer of the vehicle. More expensive than alternative parts. They do not impact the safety of the vehicles. Their availability may be limited. They should not affect the vehicle’s warranty.
Parts
Aftermarket Parts: Made by someone other than the original manufacturer. Cheaper than original parts. Should not affect the safety of vehicles if approved. Easily obtainable and quick to use. Should not impact the vehicle’s warranty.
The main difference between original parts and aftermarket parts is the price. Repairs are cheaper when using aftermarket parts. This can save money for insurance companies and consumers and reduce overall losses if insurance companies pay less in claims and find cheaper ways to repair vehicles after an accident. Consumers benefit from generally paying less for insurance when the overall losses paid by insurance companies are lower. They may have to adjust general insurance rates when insurance companies incur high losses.
How to Obtain Aftermarket or Original Parts
Many insurance companies may use aftermarket parts to repair vehicles after a collision. You can take steps if you are concerned about this practice, so you are informed and can make a decision regarding using aftermarket parts in your vehicle.
Ask your insurance company: Find out the policies regarding the use of aftermarket parts. There may be laws in some states concerning the use of generic or aftermarket parts. Each insurance company may have unique conditions in its policies.
Know your state laws: Check with your state’s insurance commissioner to learn about the laws applicable in your state. Determine whether the insurance company adheres to state policies regarding the use of aftermarket parts.
Request the part you want: You can request the use of original parts instead if you discover that the insurance company is using aftermarket parts. You may need to search for an insurance company that has an aftermarket parts policy you are comfortable with if your insurance company denies your request.
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Source: https://www.thebalancemoney.com/what-are-aftermarket-parts-2645922
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