Today, I want to talk to you about why it is so important if you’ve been involved in an accident, to make certain that the property damage to your vehicle is repaired with original parts as opposed to aftermarket parts. 

There’s an insurance company trick that you need to be aware of. They will try to persuade you to go to one of their authorized body shop facilities because they’ll tell you that the repairs are guaranteed for the entire time you own the car. Sounds great on the surface, but it can really hurt you, and here’s how.

What’s The Problem With Aftermarket Parts?

First, the insurance companies negotiate with body shops to use cheaper aftermarket parts that are not as well made. Well, that’s good for the insurance company because they save a bunch of money, but the problem is that you have these aftermarket parts. 

What happens when you go to sell your car? When that’s discovered, the value of your trade-in or sale is going to plummet. By that time, the insurance company that repaired your car is out of the picture, and you’re left holding the bag.

The Bodily Injury Claim Connection

The other thing is that if you have a bodily injury claim, the difference is vitally important. If the true estimate to repair the car with original parts was, let’s say, $3,000, but the insurance company using aftermarket parts could fix it for $1,500, why is that such a big deal on a bodily injury claim? 

Every insurance company has a monetary threshold of an amount for property damage. And if it’s below that amount, they’ll automatically deny your bodily injury claim. 

They’re going to say the amount of the damage indicates the amount of the injuries, and if the amount is below that threshold, we’re going to consider it a minor impact soft tissue case. 

That can cause a lot of problems for you if you have to go to trial in this matter because it’s a defense that they’re going to bring up.

What Physics Has To Say About That

Now from a physics standpoint, there’s absolutely no correlation between the amount of property damage and bodily injury. If you look at physics, the more damage to the car, the less damage to the occupant because the car was absorbing all the energy instead of the occupant inside. 

It’s a little trick that the car insurance companies use. And when you go to sell your car, you’re going to be left holding the bag because you have to take that diminished value.

What You Should Do

So, when you have an accident, whether you have a bodily injury claim or not, I would really recommend that you find a body shop that refuses to work with insurance companies and only uses original equipment parts. 

If you have any questions or you need a list of those providers, please feel free to email me at chip@cosselaw.com