What is the consequence if an insured does not receive a notice about aftermarket crash parts?

When an insured does not receive notice regarding the use of aftermarket crash parts, the insurer may deny payment for those parts. In many insurance policies, especially in the context of auto insurance, there are specific provisions regarding the use of aftermarket parts, which are not made by the original manufacturer of the vehicle.

If the insurer does not inform the insured about the possibility of using these aftermarket parts, it may affect the customer’s ability to recognize that the coverage includes them. This can lead to disputes over claims, especially if the policy states that payment will only be made for OEM (Original Equipment Manufacturer) parts unless the insured has agreed to aftermarket alternatives. The lack of notice can leave the insured unaware, and as a result, the insurer may take the stance that they are not obligated to cover the costs associated with those aftermarket parts if they weren’t disclosed upfront.

Therefore, if the insured does not receive proper notice, it may lead the insurer to deny payment for those components.