What type of parts will an insurer typically use if a vehicle can be repaired?

An insurer typically opts for after-market parts when a vehicle can be repaired because these parts are often less expensive than factory-original parts while still meeting safety and functional standards required for repairs. After-market parts are manufactured by companies other than the original manufacturer of the vehicle, and they offer a wide range of options that can help to reduce repair costs, making them a common choice in insurance claims.

Factory-original parts, while they maintain the exact specifications of the vehicle’s original components, can significantly drive up repair costs, which insurers often seek to minimize. Custom-grade parts and premium performance parts are specialized and tailored, generally used for modifications or enhancements rather than standard repairs, and are likely more costly. Thus, insurers lean towards after-market parts to balance quality and cost-effectiveness in vehicle repairs.