Health Insurance
Property & Casualty
Additional Information
Privacy Policy
Employment
Legal & Disclaimer
Do you have car damage that needs to be repaired or a part that needs to be replaced? You may assume that the repairs will be done using OEM parts, which means “Original Equipment Manufacturer”, but this isn’t always the case. If you are making a claim under your collision coverage, your auto insurance policy should stipulate the type of parts that will be used in your car repair.
Don’t automatically assume that your auto insurance coverage covers OEM parts, unfortunately it doesn’t work like that. Before you make your choice, be sure to review the coverage you have in your auto insurance policy. Most insurance companies push for aftermarket parts because they share the same purpose for a cheaper price than OEM parts. Car owners, however, are mostly more concerned with safety features and high-quality parts and will more than likely push for original equipment manufacturer parts.
OEM car parts are made by the vehicle’s manufacturer. They are designed to match the parts that came with your car when it rolled off the assembly line.
Unlike OEM parts which are made by the original manufacturer, aftermarket parts are usually made by another company. Aftermarket parts are a cost-effective alternative to OEM parts, saving money for you and your insurer, but that doesn’t mean that their quality is inferior.
It’s a common misconception that aftermarket parts are not as good as their OEM counterparts; in fact, in many cases, they may actually be better. Quality aftermarket parts are often made with better material and use more advanced technology than the original manufacturer part. This means that you’re getting a part that is at least as good, if not better, then what you originally had.
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
So how do consumers know whether or not they’re getting good aftermarket parts? That’s where the Certified Automotive Parts Association, or CAPA, comes in. This company, which is not affiliated with any manufacturer, operates a testing program to evaluate the quality and safety of parts used for collision repairs. Factors such as fit, performance, and quality of materials used are tested to determine whether an aftermarket part is as good as its OEM counterpart. When shopping around for an aftermarket part, look for the CAPA Certified seal.
When you take your car to the dealership for repairs, know you’ll get OEM car parts. However, if you go to an independent shop, you most likely will get aftermarket car parts. It does pay to know the difference between the two.
There is no right or wrong answer when it comes to OEM vs. aftermarket parts. While some people won’t mind the extra cost of OEM parts, others are more cost-driven and will gladly accept the cheaper option – aftermarket parts.
When choosing between OEM and aftermarket parts, your decision will primarily depend on the kind of repair needed, plus the quality and cost of the parts. Ultimately, the choice is yours (unless your insurance policy does not cover OEM parts). You would be wise to verify in your auto policy that OEM parts are covered. Also, it does help to have an auto technician you can trust, so he/she can direct you toward the best option for your particular situation.
By page visits (this month)
Your insurance can cover the cost of the aftermarket parts, and you’ll be responsible for covering the difference in cost between the aftermarket parts and the OEM parts. Alternatively, if OEM means everything to you, then you may need to find an auto insurance carrier that covers OEM parts.
Insurance carriers use aftermarket parts to keep insurance rates affordable for everyone. If they were to cover OEM parts only, auto insurance could cost more. Boils down to money.
By selecting the right insurance company to cover your vehicle, you can find OEM coverage that does everything it can to repair your car and get it back to its original condition. Our agents will help you find the coverage you need to get your vehicle serviced according to your needs.
By page visits (this month)
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.
Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.
Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!