You go into the shop after a crash. You see a bill with many aftermarket parts and extra calibration costs. You worry if your family SUV or luxury EV will stay safe and keep its value. Many insurance plans let you pick OEM Parts, which use factory parts for fixing cars. You want good insurance and a relaxed dress code.
Key Takeaways
OEM parts fit your car just right. They help keep your car safe and working well after a crash.
OEM parts help your car keep its value. This makes your car more attractive to people who might buy it later.
Always save repair records and receipts. These help you prove your car lost value and show the repairs were good.
OEM Parts vs Aftermarket
Safety and Performance
You want your car to keep you safe after a crash. The parts used to fix your car are important. OEM parts come from your car’s maker. They fit just right and work like the first ones. Aftermarket parts are made by other companies. Their quality is not always the same. Some fit okay, but some need changes.
Here’s a simple table that shows the main differences:
Feature | OEM Parts | Aftermarket Parts |
|---|---|---|
Manufacturing Quality | Made to match your car’s standards | Quality varies; some good, some not so much |
Fit and Compatibility | Perfect fit, no changes needed | May need modifications |
Performance | Keeps original performance and safety | Can change how your car sounds or drives |
Warranty | Strong warranty from the manufacturer | Warranty varies, often less reliable |
If you drive a luxury SUV or an electric vehicle in Bluffton or Hilton Head, you want every part to work with your car’s advanced systems. OEM parts are made for this. Aftermarket parts might not always fit, especially with new technology.
A study in 2022 found that aftermarket body panels that do not fit well can make crashes more dangerous. Structural parts must be exact to keep you safe. OEM parts meet tough safety rules. Aftermarket parts sometimes do, but not always.
OEM parts give you reliability and performance.
Aftermarket parts cost less, but may not protect you as well in a crash.
For newer cars, OEM parts help keep your warranty and safety features working.
Resale Value Impact
You care about your car’s resale value. Using OEM parts helps keep it high. Buyers want cars with original equipment and good service records. If you use aftermarket parts, especially low-quality ones, your car may lose value faster.
Here’s a quick look at how parts affect resale value:
Type of Parts | Resale Value Impact |
|---|---|
High-quality aftermarket | Depreciate at similar rates to OEM parts |
Poor-quality aftermarket | Can significantly hurt resale value |
Buyers in Bluffton, Hilton Head, and Georgia want cars with good maintenance records. Receipts for OEM parts and professional installation make your car more appealing. If you own a luxury SUV or EV, using factory parts shows you care about quality.
Keep all your receipts and records.
Ask for OEM parts when fixing your car.
Professional installation helps you get a better price when selling.
Mini-Takeaway
OEM parts keep your car safe, help it run well, and protect its resale value. Aftermarket parts can save money, but may not fit, protect, or last as long—especially for luxury vehicles and EVs.
Ready to protect your car’s value and safety?
Request a Coverage Review with GSP Insurance Group today!
Diminished Value After a Crash
What Is Diminished Value?
When you repair your car after an accident, you might think it is as good as new. However, the story does not end there. Diminished value is the decrease in your vehicle’s market value after it has been damaged in a crash, even if repairs make it look and drive like before. Buyers often see a car with an accident history as less desirable. This means your car could lose value, even if you fix every dent and scratch.
Diminished value is the difference between your car’s worth before and after an accident. You can claim this loss from an insurance company. Even if your car looks perfect, the accident history can still lower its resale value or trade-in price.
How OEM Parts Affect Value
You want to protect your investment, especially if you drive a luxury SUV or an electric vehicle in Bluffton, Hilton Head, or Georgia. The parts used in repairs matter a lot. When you use OEM parts, you help restore your car to its pre-accident condition. This can reduce the diminished value because buyers and appraisers trust factory parts more than aftermarket ones.
Let’s look at why this matters:
Every accident, no matter how small, lowers your car’s market value.
For example, if your car was worth $30,000 before the crash, you could lose $3,000 to $7,500 in value—even after repairs.
When you use OEM parts, you show that you care about quality. Appraisers look at your repair records. If they see OEM parts, they may reduce the amount of diminished value. If they see aftermarket parts, they may lower your car’s value even more because of concerns about fit and quality.
Here is a quick checklist for protecting your car’s value after a crash:
Get detailed records from your repair shop.
Make sure OEM parts are used whenever possible.
Keep all receipts and documentation.
Consider a diminished value appraisal if you own a higher-end vehicle.
Buyers in Bluffton, Hilton Head, and Georgia often look for cars with a clean history and quality repairs. Using OEM parts helps you stand out in the local market and keeps your resale value higher.
Tip: The quality of repairs and the use of OEM parts can make a big difference in how much value your car keeps after an accident.
Mini-Takeaway
Diminished value can cost you thousands, even after repairs. Using OEM parts helps protect your car’s value and makes it more attractive to future buyers—especially in markets like Bluffton, Hilton Head, and Georgia.
🛡️ Protect Your Car’s Value
Request a Coverage Review with GSP Insurance Group today!
ADAS Calibration and OEM Repairs
Why Calibration Matters
Your car has advanced driver-assistance systems. These help you stay safe while driving. Cameras and sensors watch the road and other cars. After a crash, even a small hit can move these sensors. If you do not calibrate them, your car may miss things. It could warn you about dangers that are not there. This can cause the system to fail or make mistakes. You might trust your car, but it may not react right.
Here are some reasons calibration is important after an accident:
Sensors and cameras need to be set to factory settings.
Steering angle sensors and front cameras need exact calibration.
Repairs or new parts can change how these systems work.
A study found calibration after a crash can cost $250 to $1,200. The price depends on your car and the repair needed. NHTSA says you should always recalibrate ADAS after any crash or windshield change.
Insurance and OEM Coverage
Insurance can help pay for calibration and OEM parts after a crash. Many good policies cover ADAS recalibration after fixing your windshield or bumper. Some cheaper plans may not pay for everything. You should check your insurance details. If you have a luxury SUV or EV in Bluffton, Hilton Head, or Georgia, using OEM calibration and parts helps protect your car and family.
Keep these tips in mind:
Ask your insurance company if your plan covers ADAS calibration and OEM parts.
Save all your repair and calibration papers.
Pick a shop that uses factory parts and follows the rules from the maker.
Mini-Takeaway
Calibration after a crash keeps your ADAS working and your family safe. Insurance can help pay for this, but you need to check your plan and ask for OEM parts.
🛡️ See OEM & DV Coverage Options
Request a Coverage Review with GSP Insurance Group today!
Insurance Solutions for OEM Parts
OEM Endorsements
You want your car fixed the right way after a crash. Insurance companies have special plans for OEM parts. These plans help you get factory parts when your car is repaired. Many companies, like Allstate and Farmers, let you add OEM parts to your insurance. You pay a little more each month for this extra coverage. This helps you feel safe because your car gets original equipment. Erie, Allstate, and Farmers usually charge between $80 and $95 each month for these plans. You should talk to your agent about their rules and get repair prices from approved shops. This makes sure your insurance fits what you need.
Allstate gives you OEM parts coverage and a trusted repair network.
Farmers lets you change your policy with OEM plans.
Erie, Allstate, and Farmers offer good prices for OEM coverage.
Diminished Value Claims
After your car is fixed, it might lose value. You can ask for a diminished value claim to get some money back. The steps are easy if you follow them:
Look at your policy to see if it covers diminished value claims.
Check if your state lets you file this kind of claim.
Get an expert to check how much value your car lost.
Gather repair prices and accident papers.
Send your claim to your insurance company.
Use your papers to talk with your insurer if their offer is low.
This helps you keep your car’s worth, especially if you drive a luxury SUV or EV in Bluffton, Hilton Head, or Georgia.
Local Insurance Options
GSP Insurance Group knows the local area well. You get help from people who understand Bluffton, Hilton Head, and Georgia. Our team helps you pick the best coverage for OEM parts, diminished value, and calibration after a crash. We work with trusted companies and help you through every step. You get clear answers and help for your repair needs.
Aspect | Description |
|---|---|
Cost-Saving Measures | Insurers may suggest aftermarket parts to save money. |
Legal Requirements | Some states require telling you about aftermarket parts on repair bills. |
Documentation Importance | Ask for OEM parts and keep all your papers for your claim. |
Mini-Takeaway
Insurance plans like OEM endorsements and diminished value claims help you keep your car’s value after a crash. GSP Insurance Group is here to help you every step of the way.
Picking OEM parts after a crash helps your car stay safe. It also helps your car keep its value. Here are some reasons why:
Benefit | Explanation |
|---|---|
Safety | Repairs help protect you in future crashes. |
Peace of Mind | Good warranties and quality make you feel better. |
You can check your car insurance by doing these things:
Ask your insurance agent questions.
Look at your policy every year.
Let’s make sure your car and your money are ready for anything that happens next.
FAQ
Do OEM parts coverage cost more on my auto insurance?
You may pay a little extra for OEM parts coverage. Many drivers in Bluffton, Hilton Head, and Georgia find the added protection worth the cost.
Can I request OEM parts after a crash?
Yes. You can ask your repair shop and insurance agent for OEM parts. Keep all repair records to help protect your car’s value.
Will using OEM parts help my diminished value claim in South Carolina?
Yes. OEM parts can help you show your car was repaired to factory standards. This may improve your diminished value claim in South Carolina.
See Also
Understanding The Importance Of Gap Insurance For Your Finances