Unless you are paying for the policy that provides oem parts. More $$
Always been curious about this. Wonder if anyone who is in the insurance business can provide more detail. When I was younger and getting my own insurance my father told me that I needed to get a policy that provided for OEM parts. I inquired of my broker and as best I can recall they told me that it would be much more expensive to have that kind of policy, so I just gave up. But I also recall someone telling me that I could just insist on them using OEM parts. I found this hard to believe considering the cost difference, but he swore it would work. When I did get rear ended many years later, I took the car to a toyota body shop in the hopes they would use OEM parts. Based on what I got back, It did not seem like they did.
Can anyone with insurance industry experience or real life experience definitively say that
1) you can in fact get a policy that requires OEM parts to be used
2) What happens when you aren't at fault and the other person's insurance is covering? Can you demand OEM in that case? Or would you have to file a claim with your own carrier (where you have an OEM policy) to cover the difference between the aftermarket parts provided for by the other carrier and the OEM parts you ultimately want?