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True but as the car owner, I choose the repair shop and not them. Insurance companies have an obligation to act in good faith. If they refuse to pay for the work because the shop only installs OEM, what's their argument going to be if it goes to litigation? That the parts are too genuine?
I've had a handful of claims in my years of driving all nice cars. Not once was I or the dealer forced to use aftermarket parts. That's why the insurance companies push "recommended" or "preferred" shops, because those are the guys who will put whatever is cheapest
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