Generic Car Insurance Crash Parts
Car insurance crash parts, also referred to as cosmetic parts, are the sheet metal components of vehicles; the outside “skin” most frequently damaged in auto accidents, such as fenders, hoods and doors panels. There are two sources for car insurance parts: auto manufacturers, who sell them under their own names, also known as original equipment manufacturers (OEMs), and generic or aftermarket crash parts suppliers. Before generic parts existed, creating competition in the marketplace, OEMs were able to sell their parts at much higher prices than they can today. The introduction of aftermarket parts forced down the price of OEM parts by an average of 30 percent. The Property Casualty Insurers Association of America found that non-OEM parts save about $2.8 billion in insurance costs every year.
In the continuing debate about whether generic parts are as good as parts from OEMs, the issue of safety is in the forefront. Critics claim that using parts from sources other than OEMs could compromise safety. However, the Insurance Institute for Highway Safety (IIHS) says that with the possible exception of hoods, there are no safety implications of using cosmetic crash parts from any source. This has been demonstrated by crash tests conducted at the IIHS. In addition, an independent, third-party nonprofit organization, Certified Automotive Parts Association (CAPA), rigorously inspects generic automotive parts and guarantees the quality of those that meet its high standards. Generic crash parts do not interfere with a vehicle's existing warranty and are often manufactured by the same supplier and in the same manner as OEM parts.
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