Can Insurance Companies Make You Use Used Parts?

Can Insurance Companies Make You Use Used Parts?

There are three main types of spare parts that could be used to repair a damaged vehicle. Which is your insurance pushing, and what can you do about it?

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You've just been through an unfortunate car accident, the fault is on the other driver and their insurance is going to fix your car. You get your car back and find that the auto repair shop has used second-hand parts to fix your car. You get frustrated and suspect the shop was trying to save money at your expense.

While that might be the case in some situations, sometimes there is a very good reason why an auto repair shop would use second-hand or aftermarket parts.

Let's start by explaining the differences between the three different options you have for spare parts;

OEM

Original Equipment Manufacturer spare parts are original parts that were made by the car's manufacturer. OEM parts are generally more expensive than the other two options as they are brand-new parts from the factory that would look and fit perfectly.

Most body shops don't keep a very large inventory of OEM parts on-hand so very often there will be a waiting period to receive the parts from the manufacturer.

Body repair shops love OEM parts and for obvious reasons. They fit perfectly every single time, don't require much custom work/fabrication, and being the most expensive, they have the largest profit margins for the shops.

Insurance companies, however, aren't too keen on OEM parts. The main reason being the cost factor. Insurance companies have a duty to reduce costs as much as possible, and splurging on original, brand-new spare parts doesn't help with that. They would rather use aftermarket or used parts that would essentially do the same job but cost way less.

Aftermarket

Aftermarket parts are also brand-new and do the same job as OEM parts do. However, they are manufactured by another company. They are basically generic versions of the same product, which gives them the ability to offer them at much lower prices than the car manufacturers.

Body repair shops don't love aftermarket parts but they also don't hate them. The vehicle repair process is almost identical and your car would probably look the same after being repaired.

Yet, some adjustments are usually needed to get those parts to fit perfectly. Which will come down to how skilled the technicians at the repair shop are to get the job done with no issues.

Used Parts

Used parts are pretty self-explanatory. They are used, and most probably come from a junkyard. But that's doesn't necessarily mean they are bad.

Most of the time when a car is wrecked, there still would be a lot of parts that are still in good working condition. These parts will make their way to the junkyard and eventually be used to repair another vehicle. The great perk about used parts is that they are often original parts that were used for a bit.

Used parts are often the favorite choice for both body repair shops and insurance companies. They are easy to source, easy to install, often are sold with a large discount, and you're essentially helping the earth by recycling used parts.

Depending on what your car is, you might steer in either direction.

For example, you probably are going to want OEM parts when fixing a brand-new car. However, you might not want to pay the premium price for a 15-year-old car when it essentially performs the same job.

How to make sure you get OEM parts

If you're keen on using OEM parts exclusively when fixing your vehicles, you're in luck; because there is a way.

You'd need to speak to your insurance agent regarding an OEM parts endorsement. This addition would most likely come at an extra cost.

Be mindful that not all insurance companies offer such a perk, and it's usually not offered for all vehicles.

So, shop around and see if it's a possibility for your car.

What to do if your insurance insists on using used parts

Since it's not illegal for insurance companies to use aftermarket or used parts to repair vehicles, you would need to be creative and try and eliminate your risk.

  • First, try and negotiate with the insurance company. In the end, you're a customer and they'd hate to see you switch to another company.
  • You may argue that the replacement parts chosen will change the fit, appearance, or performance of your car.
  • Ask them for a written agreement guaranteeing the used part(s) and taking full legal responsibility should the part fail or cause an accident or any further damage.
  • Hire an experienced car accident attorney who's skilled in handling settlement cases and have them negotiate on your behalf. Utilizing the help of a skilled attorney will give you the advantage in negotiating and will raise your chances of reaching a favorable deal.

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Top 50 Things You'll Hear A Southern Say

Y'all.
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For those of you who may need a little help understanding the slang of a southern, I made a list of the top 50 phrases and sayings, along with their translations.

1. Bless your heart.

My favorite saying. It is an empathetic phrase that is usually uttered when the speaker believes the recipient to be sweet, but misguided or stupid. It can also be used if the speaker believes the recipient needs to grow up and deal with it, when the speaker says it in a sarcastic tone.

2. Barking up the wrong tree.

Means being misguided or mistaken.

3. Aren't you precious?

Mostly this saying is used in a sarcastic tone in response to someone being offensive.

4. Britches.

Pants or underpants.

An example would be, "Your britches are too short, you can't wear those".

5. Coke.

Regardless if it's Dr. Pepper, Coca-Cola, or another carbonated beverage, it's called Coke here in the South.

6. Fixin' to.

Simply means that you are about to do something.

7. Get the short end of the stick.

This phrase means that you basically got an unfair deal or cheated out of something.

8. Give Me Some Sugar.

Simply means give me a kiss.

9. Hissy Fit.

A hissy fit is a grown-up version of a temper tantrum that is as bad as one that a toddler would throw.

10. Hold Your Horses.

Be patient.

11. Holler.

When you say "holler" you are basically letting the other person know something.

Example: Holler at me when you are ready to get something to eat.

12. If the creek don't rise.

This saying simply means that if nothing bad happens, everything will go as planned.

13. You're as slow as molasses in the wintertime.

This phrase means that you are being EXTRA slow.

14. Muddin'.

Off-road four-wheeler riding with the intentions of getting mud everywhere and possibly losing control.

15. Skat Cat.

A phrase that can be used instead of saying "God bless you" when you sneeze.

16. There's Not A Pot Too Crooked That A Lid Won't Fit.

There is someone for everyone.

17. Pitcher.

We mostly mean a plastic container that holds sweet tea, not the position of a guy on the baseball team.

18. Reckon.

When you say "I reckon", you believe that something is true.

19. Hoot With The Owls, Soar With The Eagles.

This simple phrase means that if you are going to stay up all night, you should be able to get early in the morning.

20. Too Big For Your Britches.

Simply means that you take yourself too seriously.

21. Stompin' Grounds.

Your hometown or where you grew up.

22. Back In The Day.

Back in the day could be a month ago, a year ago, or 20 years ago.

23. You're A Spitting Image Of (Insert Family Member).

Yes, I know I'm a spitting image of my mother. "Spitting image" simply means that you look just like someone.

24. "Darlin, Sugar, Sweetheart"

These words are simply terms of endearment.

25. Buggy.

A buggy is a cart/basket at the grocery store.

Example: Who wants to push the buggy?

26. Quit Crying Or I Will Give You Something To Cry About.

This phrase simply means to quit crying and if you didn't then more than likely you got a spanking,

27. Where You Raised In A Barn?

If you are from the South, you have probably been asked this more than once, especially when you left a door open.

28. Close The Door. You Are Letting All The Good Air Out.

This southern heat is nothing to play with. It simply means to keep the door closed so the air (or heat if its winter) stays inside.

29. You Are Going To Make Me Lose My Religion.

When you say this phrase to someone, it more than likely means that person has done something to irritate you or made you mad. Thank goodness Jesus saves.

Example: You are going to make me lose my religion.

30. You Look Like A Chicken With Your Head Cut Off.

This is said when you are running around like a crazy person. It can be said if you are looking for something that you are searching for or if you are just really busy.

31. Y'all.

The southern way to say "you all".

32. You Can't Carry A Tune In A Bucket.

If you've ever been told this, it means that you can't sing.

33. Have Their Feathers Ruffled.

You normally have your "feathers ruffled" when you are pouting.

34. Two Peas In A Pod.

When you and someone else are "two peas in a pod", it means that either you almost always together or that you two are almost identical in the way you think and do things.

35. Well Butter My Butt And Call Me A Biscuit.

This saying can be used when you are surprised or excited.

36. Don't Let The Door Hit Ya Where The Good Lord Split Ya.

When someone say this they typically mean to get out and don't let the door hit you on the way out.

37. You're As Good As Gold.

When you are "as good as gold", it means that you are well-behaved and obedient.

38. It's Raining Cats And Dogs Out There.

This simply means that the rain is really coming down hard. It's not actually raining cats and dogs, people.

39. I'm Full As A Tick.

This phrase means that you ate too much food.

40. I'm Sweating More Than A Sinner In Church.

When someone says this, it means that they are really hot and sweating A LOT.

41. Pot Calling The Kettle Black.

This phrase is used when one person is guilty of the very same thing of which they accuse another person.

42. There's More Than One Way To Skin A Cat.

It means that there is anyways more than one way to fix something.

43. Shut Yo' Mouth.

Means to be quiet or hush up.

44. Whatever Floats Your Boat.

This saying means to do whatever you want to do.

45. Slap Yo' Momma.

This phrase means that something is good.

Example: This BBQ is slap yo' momma good.

46. She's Like A Bull In A China Shop.

When you tell someone this phrase, you are telling them that they are clumsy or careless in the way that they move.

47. Cuttin' A Rug.

Cuttin' a rug is used to describe dancing.

Example: Let's go cut a rug tonight.

48. Clicker.

A clicker is another name for a TV remote.

49. Slow Your Roll.

This also means to be patient.

50. You're A Hot Mess.

When you tell someone that they are a "hot mess", you are simply telling them that they don't have it together.

Cover Image Credit: silhouetteamerica.com

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5 Vital And Helpful Tips I Live By When Packing For A Trip

Try and pack smarter, not harder.

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If you are anything like me, you tend to overpack thinking you are being a great packer and being ready for any scenario that life may throw at you. Well, that is, unfortunately untrue, and I have learned that you are only doing more harm than good. Over the years, I have come up with five tips I always use when traveling and have been proven to work. You've heard of the five golden rules of life, and, well, these are the five golden rules/tips of packing.


1. Start with a packing list.

This is the best tip I could give to anyone else who is getting ready to travel. Making a list is very useful, especially when stressed about your travel. You will not forget anything because you have it all written down. A packing list is a great way to keep organized when packing.

2. Use space bags.

Now, this is a tip my dad lives by. Space bags are great when you are packing because it protects your clothes and makes room to put a lot in your suitcase. The crazy story of a time when my dad was traveling, and his friend's bag was soaked with the shampoo he brought on the plane. All his clothes and everything inside the suitcase was ruined. So always use space bags because you never know what could happen on the flight. You can buy a space bag here.

3. Pack the essentials first.

I will be honest and say that I do over-pack a lot. I use the line "just in case" as an excuse to pack my entire house. But I have learned that packing for "just in case" is a waste of time. When you first sit down to pack, lay out all your essentials. For example, clothes that you will wear during the trip. You will be surprised to see how effective it is.

SEE ALSO: 10 Reasons Chicago Is The Best City In The World

4. ALWAYS pack an extra outfit in your carry on.

This tip is one that I have been very grateful that I used. A while ago during my trip to Canada, my check-in bag was missing and delayed for multiple hours. Luckily I had an extra outfit to keep me fresh and not feel gross. It is always crucial to this in your carry on In case of emergencies such as your bag getting lost.

5. Put identification on your suitcase.

Everyone in the airport somehow tends to have the same black or red suitcase that you have, which only means confusing when you're trying to find your check-in bag. To quickly identify your suitcase, put a sticker, or tie a ribbon on the handle. You can easily pick up your suitcase and leave. This will prevent any sneaky people trying to steal or claim that your suitcase is theirs.

P.S.: Use a bright color ribbon or a different sticker. Also, tie the ribbon properly to make sure it's secured.


I live by these five packing tips every time I travel so I hope you can use them the next time you take a trip!

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