When must the notice of aftermarket crash parts be given to the insured?

In the context of insurance policies related to vehicle repair, the notice of aftermarket crash parts must be provided to the insured at the time of delivery of the policy. This requirement ensures that the insured is aware from the outset of the types of parts that may be used in their vehicle's repairs, particularly regarding aftermarket parts that are not original equipment manufacturer (OEM) parts.

This notice serves to inform the insured about potential cost differences, performance, quality, and warranty implications associated with aftermarket parts compared to OEM parts. By including this information at the policy delivery, insurers promote transparency and allow insured individuals to make informed decisions about their coverage and the implications for vehicle repairs. This timing is crucial because it sets the stage for the insured's expectations when a claim arises.

Other times suggested for providing this notice, like at the time of a claim or during policy renewal, do not fulfill the need for early disclosure that allows the insured to consider options before a claim is made. Notifying the insured within 30 days of the accident would also be inadequate, as the information needs to be communicated proactively rather than reactively.