Category: Insurance

Can You Switch Repair Shops Mid-Claim in New Jersey?

An auto tech performing a second inspection after a driver was able to switch repair shops mid-claim.

TYou get into a car accident and select a collision repair shop in South Jersey. Everything seems to be going smoothly until the repair process doesn’t feel right. You begin to lose confidence in the auto repair shop due to delays, poor communication, and concerns about parts or repair quality. You may start to wonder, Can I switch repair shops mid-claim in New Jersey or am I stuck? Let’s find out whether you can, as well as the correct steps you can take.

Key Takeaways

You have the legal right to switch repair shops mid-claim in New Jersey.
Your insurance claim follows you, even if you change collision repair facilities.
Switching shops often makes sense when safety systems, frame repairs, or missed damage are involved.
Changing shops may add time to the repair process, but can result in more complete and documented repairs.
You are only responsible for authorized work already completed at the original shop.

The Short Answer: Yes, You Can Switch Repair Shops in New Jersey

While switching mid-claim may seem like a hassle, you have rights in New Jersey when it comes to your car and insurance. Remember: your claim is yours as a vehicle owner. It doesn’t belong to the insurer and neither does your vehicle. That means you get to make the choice that suits your needs the best.

This means that you have a right to choose the auto body repair shop in New Jersey that does the repairs. You can also, with caveats, switch repair shops mid-claim. Whether you want OEM parts, too, is up to you.

Common Reasons Drivers Switch Repair Shops Mid-Claim

There are several instances where switching repair shops is not only possible but smart. You may start to realize that you made a mistake when:

There appears to be repair quality issues or missed damage
You are uncomfortable with direct repair program (DRP) practices
The repair shops decides to use non-OEM or LKQ parts without explanation
There is a lack of updates or transparency about your repairs
The current shop discovers additional damage but won’t address it

Any of these issues point to repairs that may not restore your vehicle to its pre-accident condition.

When Switch Shops Mid-Claim Makes the Most Sense

If you’re wary about the quality of repairs at the current auto body repair shop and opt to switch, be sure to consider the timing. It is best to switch:

Before structural or frame repairs are completed
Before painting or refinishing begins
When supplemental damage is discovered
When safety systems (ADAS, airbags, sensors) are involved
If repairs are paused due to disputes with insurance

Make sure the shop you’re switching to is fully capable of correcting mistakes, performing a post-repair inspection, and provides you with documentation.

How Switching Repair Shops May Affect Your Insurance Claim

While switching repair shops is viable, it does come with some obstacles. the existing claim won’t change, the process moving forward is different. Your claim follows you to the new shop, and the amount on the previous repair estimate opens up. Any additional damage that is found may be added to the claim.

Switching shops can add time due to re-inspections, estimate revisions, and insurer approvals. However, these delays often lead to more complete repairs, better documentation, and fewer unresolved safety issues. Taking extra time upfront can help avoid repeat repairs or problems down the road.

However, out-of-pocket costs may increase.

Steps to Switch Repair Shops Mid-Claim in New Jersey

Ready to make the switch? Here are the steps to take to make the change much smoother:

1. Notify the current shop that you’re stopping repairs

The first step is to let the current repair shop know you’re discontinuing repairs. If work has already started, ask for an itemized invoice showing what has been completed so far. You’re responsible only for authorized work already performed, not for unfinished repairs. If parts were ordered, clarify whether they can be returned or transferred.

2. Contact your insurer to document the change

Next, call the insurance company or the adjuster and alert them to the switch. While switching repair shops is fully legal, there is paperwork involved. Again, your claim won’t be canceled. But the claim needs to be updated with information about your newly chosen repair shop.

3. Arrange the vehicle transfer

Depending on the vehicle’s condition, it may need to be towed to the new shop. If the car is unsafe to drive or partially disassembled, towing is typically the safest option and may be covered under your claim. If the vehicle is drivable, confirm with both shops whether it can be moved safely without affecting the repair process.

4. Have the new shop do an inspection

Once your vehicle arrives at the new collision repair facility in South Jersey, the technician may choose to perform another inspection. This includes visual inspection, disassembly if needed, and digital diagnostics. A fresh evaluation helps identify any missed structural damage, safety system concerns, or improper repair planning from earlier in the process.

5. Allow the new repair shop to submit supplements if needed

After the inspection, the shop may submit a supplemental estimate to your insurance company, especially if not previously identified damage was found. It’s a normal and expected step. A supplement estimate ensures that all repairs are documented and approved.

Frequently Asked Questions

Can my insurance company refuse if I switch repair shops?
No. In New Jersey, the vehicle owner has the right to choose the repair facility. Your insurer cannot require you to stay at a specific shop.

Will switching shops cancel my insurance claim?
No. The claim remains active and is simply updated with the new repair shop’s information.

Do I have to pay twice for inspections?
A new inspection may be required, but this is often necessary to identify missed damage and ensure proper repairs.

What happens to the original repair estimate?
The estimate stays on the claim, but it can be revised if additional damage or different repair methods are identified.

Is it better to switch before repairs begin?
Yes. Switching before structural, frame, or paint work begins usually makes the process smoother and reduces complications.

Your Car, Your Choice, So Choose Elmer’s Auto Body of South Jersey

If you need to switch repair shops mid-claim in New Jersey, don’t worry. It’s your consumer right to select which auto body repair shop does the work. When it comes to repairs, safety is of the utmost importance. If you feel like the shop isn’t communicating or transparent enough, switch.

Make sure you’re making the right choice by selecting a reputable collision repair center like Elmer’s Auto Body. We’ve been family-owned and operated since 1947.

Get Your Vehicle Checked the Right Way

If your vehicle was repaired during cold weather and something doesn’t feel right, a professional inspection matters.
Get your vehicle inspected and repaired at one of our three South Jersey locations.

Mt. Ephraim: (856) 456-7018 |
Sewell: (856) 218-0202 |
Medford: (609) 714-4050

Contact Elmer’s Auto Body Today

Why Independent Shops Provide More Transparency Than DRP Programs

A technician from one of many independent shops in South Jersey working on a car repair

When you’re involved in an auto collision, you may find yourself feeling confused, rushed, and unprepared through the entire thing. This is especially true if your insurance company urges you to use a Direct Repair Program (DRP) shop. DRPs are built on an agreement between a shop and the insurer, unlike independent shops that aren’t. While a DRP may seem convenient, they also come with limitations that you may not know about.

Today, we’re going to discuss one huge benefit: transparency. Independent shops are always going to value you—the customer—over the insurance company and want to give you the full story.

Key Takeaways

Independent shops offer direct communication without insurer influence.
They provide clearer parts choices, including OEM options that protect vehicle safety.
Independent shops take time to uncover hidden or structural damage.
They can challenge insurance decisions that underestimate necessary repairs.
Transparency is built into every step, ensuring your car is restored properly.

Why DRP Shops Are Not Always in Your Best Interest

Direct Repair Program (DRP) shops exist through a contract with insurance companies. In other words, these shops sign up to be referred work in exchange for following guidance from insurers. This means that they focus largely on reducing the overall cost of repairs for the insurance company and having a quick turnaround time. You may already see the downsides of this agreement.

Due to the condensed time of repairs and quality of parts used, DRP programs may want to divulge all that they’ve done (or didn’t do). Here are some of the limitations of using a DRP shop:

Restricted parts choice, often using aftermarket or LKQ parts
Pressure to shorten repair times, affecting thoroughness
Less direct communication since updates go through insurer, not you
Limited ability to challenge the insurance company’s decisions

These things can leave you feeling lost and in the dark about your vehicle’s repairs and what has or hasn’t been completed.

The Benefits of Choosing an Independent Shop

Choosing independent shops means choosing quality and customer care over quicker repairs. At an independent shop like Elmer’s Auto Body, the team is their for you. Their recommendations, guidelines, and repair strategies are based on manufacturers, not insurance companies.

Here are some of the reasons to choose an independent shop, especially if you want transparency:

Direct Communication

You speak directly with the team rather than receiving updates filtered through the insurance company. Independent shops also take time to explain the repairs, including what was damage, how it will be repaired, and various options. There’s never any pressure to shorten a conversation or to push you to specific outcome or product.

Clear Parts Options

Independent shops openly discuss the differences between OEM, aftermarket, and LKQ parts. Instead of being required to use lower-cost components, they help you weigh performance, safety, and longevity so you understand exactly what will be going on your vehicle.

More Detailed Inspections

Independent repair shops take time to ensure they are doing the right thing. Unlike DRP shops, independent collision centers aren’t evaluated on their speed. In many DRP shops, structural issues, frame distortion, and sloppy welding are often overlooked.

Freedom to Challenge Insurance Decisions

One of the overlooked benefits of choosing an independent shop is the fact that they can challenge when an adjuster underestimates the cost of the damages. With documentation, photos, and measurements backed by an experienced team, the independent repair shop ensures the insurance company works for you, not for themselves. After all, you deserve a car that’s been repaired completely and correctly.

Why Does Transparency from Independent Shops Matter?

Collision damage is more than surface issues. Beneath the scratches and dings may be more complex problems including frame misalignment, compromised welds, and suspension mount problems. Any step that is overlooked, rushed, or skipped completely will lead to a vehicle that neither performs nor protects you like it should.

An independent repair shop that isn’t affiliated with any insurance company will do the job right. Your car will be returned to you as close to its pre-collision condition as possible. Furthermore, independent collision repair centers will never pull wool over your eyes. They will tell you what needs to be done, communicate any changes, and also advocate for you.

FAQs About Independent Shops vs. DRP Programs

Does my insurance company have the right to force me into a DRP shop?
No. In New Jersey, you always have the right to choose your own collision repair center.

Are independent shops more expensive?
Not necessarily. Independent shops simply recommend the repairs your vehicle needs, not the cheaper shortcuts that DRP shops may be required to use.

Can an independent shop still work with my insurance?
Yes. Independent shops work with all insurance companies and can help handle the claim while advocating for proper repairs.

Do independent shops offer better transparency?
Yes. They communicate directly with you and provide documentation, photos, and detailed explanations of the repair process.

Go to a Trusted Collision Repair Center in South Jersey Today

Whether you decide to go with a DRP center or an independent shop, it’s important to focus on transparency. Get the repairs done right and with OEM parts. However, if you want a repair experience where your safety and satisfaction takes the steering wheel, choosing an independent shop is the smartest move.

At Elmer’s Auto Body, we’ve built transparency into every step. We walk you through what needs to be done, provide you with documentation, and explain it all in plain language. We never pressure you to do anything, and we never take shortcuts. Our team is focused on restoring your vehicle with OEM parts so you and your family stay protected.

Get More Transparency and Care With Elmer’s Auto Body

Choose an independent collision repair shop in South Jersey that puts you and your vehicle’s safety first. Elmer’s Auto Body has been serving the community since 1947.

Mt. Ephraim: (856) 456-7018 |
Sewell: (856) 218-0202 |
Medford: (609) 714-4050

Contact Elmer’s Auto Body Today

What Insurers Don’t Tell You About “Like Kind and Quality” Parts

A vehicle that has been repaired with like kind and quality parts. There's no difference...yet

When you get into an accident, you expect your insurance company to cover some if not all of the cost. You also expect to get the best quality parts for your car. Insurers, however, often authorize what’s known as “Like Kind and Quality” (LKQ) parts instead of Original Equipment Manufacturer (OEM) ones. While this may seem fair on the surface, LKQ parts aren’t the same as OEM components, and that can be consequences for your vehicle’s performance and safety.

At Elmer’s Auto Body, we’ve seen the difference and know that OEM parts are best. That’s why that’s all that we use.

Key Takeaways

“Like Kind and Quality” parts are often used or aftermarket — not the same as OEM.
LKQ parts can cause alignment, durability, and ADAS performance issues.
OEM parts ensure safety and proper fit for your make and model.
You can request or negotiate for OEM replacements with your insurer.
Elmer’s Auto Body prioritizes your safety with OEM-approved repairs.

What “Like Kind and Quality” Actually Means

“Like Kind and Quality” may sound like they are on the same level as OEM components, but they aren’t. LKQ is an insurance term that stands for “used, recycled, or aftermarket parts that are comparable to OEM components.” That doesn’t mean they are the same or even approved by vehicle manufacturers. In many cases, LKQ parts come from salvaged vehicles or an unaffiliated third-party manufacturer.

Now here’s the issue with LKQ parts: there’s no guarantee that these pieces fit or function as they should. LKQ parts may not meet the same standards as OEM components or be made with the same materials.

Why LKQ Parts Can Be Risky

Like Kind and Quality parts can perform acceptably, but there is no telling which ones will do the job from those that will negatively impact your vehicle’s performance. Here are four reasons why LKQ parts can be risky:

Fit and alignment issues: Even small dimensional differences can affect how panels, bumpers, or safety sensors align.
Material variations: Non-OEM metal or plastic can be thinner, weaker, or more prone to corrosion.
No warranty from the automaker: Most vehicle manufacturers will not honor warranties if non-OEM parts are installed.
Possible ADAS interference: Many LKQ parts are not tested or certified for vehicles with Advanced Driver Assistance Systems (ADAS), which can lead to calibration failures.

Why OEM Parts Are the Safer Choice

So why are OEM parts better than LKQ parts? Why should you ask for OEM over LKQ? Not are parts are created equal in the automobile world. OEM parts are made by the manufacturer of your vehicle. They are also designed, tested, and certified by said manufacturer, making OEM parts the standard. Therefore, if you want your vehicle returned to its pre-accident condition, OEM parts are the best choice, as they meet all safety standards and restore structural integrity.

OEM components are priceless when it comes to critical systems, like airbag sensors, bumpers, structural frames, and ADAS pieces. When you get these as OEM parts, you know you’re getting components made with your vehicle’s exact make and model in mind. No guesswork. No mistakes.

What To Do When Your Insurer Insists on Like Kind and Quality Parts

In New Jersey, you have the right to request OEM parts for your auto repair. Your insurer, however, may insist on LKQ parts. They tend to do this to bring the cost of the repairs down for themselves.

Keep the following in mind:

Ask for transparency. Request a detailed list of parts being used, including whether they’re OEM, aftermarket, or recycled.
Review your insurance policy. Some policies allow for OEM parts, especially if you purchased an OEM parts endorsement.
Request a supplement. If an LKQ part doesn’t fit properly, your repair shop can request insurer approval to replace it with an OEM part.
Document everything. Keep photos, estimates, and all correspondence with your insurer and repair shop.
Choose your repair facility. You are not required to use an insurer’s Direct Repair Program (DRP) shop. Elmer’s Auto Body works for you, not the insurance company, and we also only use OEM parts.

Pro Tip

Even if your insurer pushes for LKQ parts, you can often negotiate OEM replacements for critical safety components. Always ask your repair facility to identify any non-OEM parts before installation. Once they’re installed, it’s much harder to prove they’re causing problems.

FAQs

Are LKQ parts the same as OEM?
No. LKQ parts are used or aftermarket components meant to mimic OEM ones but may not meet the same standards.

Can I refuse LKQ parts?
Yes, though it depends on your policy. You can request OEM parts or add an OEM endorsement for future coverage.

Will OEM parts cost more?
Usually, yes — but they restore your vehicle to factory condition, protecting your safety and long-term value.

Avoid LKQ Parts By Choosing Elmer’s Auto Body

While Like Kind and Quality parts may function properly, you don’t want to take a risk when it comes to your vehicle’s performance and safety. Make sure you’re getting OEM parts for all auto body repairs. The first step is asking your insurance company. Next, choose a South Jersey collision repair shop like Elmer’s Auto Body. We’ve been in business since 1947 and have always used OEM. We’re here for you, not the insurance companies.

Protect Your Vehicle with OEM Parts

Don’t settle for less than the best when it comes to car repairs. Choose OEM parts. Elmer’s Auto Body guarantees that your vehicle is repaired with OEM parts and restored to factory standards. No compromises here.

Mt. Ephraim: (856) 456-7018 |
Sewell: (856) 218-0202 |
Medford: (609) 714-4050

Contact Elmer’s Auto Body Today

Can You Demand OEM Safety Components After a Collision?

An image of a car engine with OEM safety components installed correctly

Not every replacement part is made equally. That may sound like an exaggeration, but it’s the truth. Insurance companies attempt to save money on repairing your vehicle by authorizing aftermarket or used parts and safety components. Unfortunately, those savings can also come at a cost to your safety. It’s not worth the risk. Critical components, like your airbags and ADAS sensors, shouldn’t come secondhand. That’s why you need to request OEM safety components when getting your vehicle repaired.

Let’s take a look at OEM safety components, why they are important, and what your rights are when dealing with your insurance company.

Key Takeaways

OEM safety components are made by your vehicle’s manufacturer to meet crash-tested standards.
Aftermarket or recycled parts may not provide the same fit, strength, or protection.
New Jersey drivers have the right to request OEM parts in repairs, especially for safety systems.
Insurance companies may default to cheaper alternatives, but you can challenge their estimate.
Elmer’s Auto Body ensures repairs meet OEM standards for safety, structure, and performance.

What Are OEM Safety Components?

OEM means “Original Equipment Manufacturer,” which refers to parts made by the manufacturer that made your vehicle. So if you have Toyota, you get OEM parts from Toyota. OEM parts are designed to match your vehicle’s specifications. Not only do they fit better, but they perform just as the manufacturer intended, meaning there’s no risk of a negative impact to performance or safety.

Examples of OEM safety components include:

Airbags and crash sensors
Seatbelts
ADAS sensors, including collision warning, adaptive cruise control, and lane assist
Steering and suspension components
Structural frame reinforcements
Crumple zones

In modern vehicles, these safety systems are designed to be all-encompassing. If one part isn’t performing as it should, the entire system is slowed down. Your car may react differently, or certain safety systems may not deploy accurately, should something other than OEM safety components be used.

Why Do OEM Safety Components Matter?

Aftermarket safety components may not seem like a big deal. However, in order to function properly, vehicles today need every piece calibrated properly. Minor variations in the fit of one piece could throw off how the entire vehicle behaves.

OEM safety components ensure:

Proper fit and function. OEM parts are designed by the manufacturer to fit the exact dimensions of your vehicle.
Crash-tested reliability. OEM parts are tested within the vehicle to ensure everything functions as it should. Aftermarket pieces are not.
Consistent sensor alignment. ADAS and electronic safety components need to be installed and calibrated to exacting standards. Without that, the systems may not work.
Full restoration of crash protection. Your vehicle is returned to pre-accident condition when OEM parts are installed.

Aftermarket parts may be cheaper, but they don’t always meet certain standards. Some parts may also rust faster or be ill-fitting, causing gaps that compromise your vehicle’s safety.

Can You Request OEM Safety Components From Your Insurance?

Yes, you can and should.

Here’s the thing, you have a right to request OEM parts as a New Jersey resident. For safety systems, OEM parts are vital to a correct repair. However, many insurance companies will write estimates using cheaper aftermarket or LKQ—like kind and quality—parts to save money on their end.

You don’t have to accept that. If you want OEM safety components for your auto repair, do the following:

Notify your repair shop that you want OEM safety components installed.
Ask your insurer to amend the repair estimate to reflect OEM parts.
Request documentation showing the safety standards of any proposed aftermarket parts.
Choose your repair shop—you’re not required to use the insurer’s preferred provider (DRP).

At Elmer’s Auto Body, we can help you negotiate for OEM parts, since that’s all that we use. We’re not a DRP. We’re an auto body repair shop that has been around since 1947.

Can an Insurance Company Refuse Your Request?

In some circumstances, an insurance company can refuse to provide your with OEM safety components. This may happen if your vehicle was totaled.

You can do the following to challenge their refusal:

Pay the difference. You can elect to pay out-of-pocket for OEM components.
Use manufacturer warranties. If your vehicle is still under warranty, OEM parts are required to maintain its validity. Mention this when negotiating with your insurance company.
File a dispute. You can formally challenge an insurer’s decision through New Jersey’s Department of Banking and Insurance or with your state’s consumer protection agency.
Document everything. While this one won’t necessarily prevent a disagreement, it can better essay your claim. Take photos of the damages and also have a reputable auto body repair shop like Elmer’s Auto Body take photos, measurements, and estimates to support your case.

FAQs

Can I insist on OEM parts if my car is still under warranty?
Yes. Many vehicle warranties require that OEM parts be used for repairs to keep the warranty valid.

Will my insurance cover OEM safety components?
It depends on your policy. Some insurers only cover OEM parts for newer vehicles or when specified in your policy.

Do aftermarket safety parts pass crash testing?
Not always. Unlike OEM parts, most aftermarket components aren’t tested as part of the full vehicle system, which can reduce crash protection.

Can Elmer’s Auto Body help if my insurer denies OEM parts?
Yes. Our team works directly with insurers to advocate for OEM replacements and ensure all repairs meet safety standards.

Choose Elmer’s Auto Body for OEM Safety Components and Repairs

Now that you know that you can request OEM safety components for your vehicle during repairs, it’s time to find a repair shop to do just that. At Elmer’s Auto Body, we have decades of experience advocating for our clients. We also know how to restore vehicles to their pre-accident condition. Our auto body repair shops in South Jersey are certified by multiple manufacturers, and we always use OEM parts for every project.

Schedule Your OEM-Safe Repair with Elmer’s Auto Body

Don’t settle for less than factory-quality repairs. At Elmer’s Auto Body, we only use OEM parts and advanced repair techniques to restore your vehicle to its pre-accident condition. Serving Gloucester County, Camden County, Burlington County, and other parts of South Jersey, our team is ready to help you navigate insurance claims and get back on the road.

Mt. Ephraim: (856) 456-7018 |
Sewell: (856) 218-0202 |
Medford: (609) 714-4050

Contact Elmer’s Auto Body Today

What to Do If Your Insurance Company Sends You to a DRP Shop (And You Don’t Want To Go)

A damaged car awaits repairs. Will you choose a DRP shop or Elmer's Auto Body?

After a car accident in New Jersey, your insurance company may “recommend” you to a specific auto body shop in their network. This is often called a Direct Repair Program Shop, or DRP shop. But what if you don’t want to go there? What if the reviews aren’t sitting well with you? Good news: You don’t have to go where the insurance company tells you. Here’s what every South Jersey driver should know about DRP shops, your rights under New Jersey law, and how to protect your vehicle, your wallet, and your peace of mind.

Key Takeaways: What to Do If Your Insurance Sends You to a DRP Shop

✅ In New Jersey, you have the legal right to choose your auto body shop.
✅ DRP (Direct Repair Program) shops may prioritize insurance interests, not your vehicle’s longevity or safety.
✅ Elmer’s Auto Body uses OEM parts and certified repair methods—we work for you, not the insurance company.
✅ Insurance must still cover repairs at the shop of your choice, as long as estimates are reasonable.
✅ We’ll help handle insurer communication and justification, so you’re never alone in the process.

What is a DRP Shop?

As mentioned previously, DRP stands for “Direct Repair Program.” DRP is a network of auto body shops that have agreements with insurance companies to perform repairs according to pre-negotiated terms. Insurance companies often recommend DRP shops because:

Labor and parts cost may be lower for the insurance company
Repairs are often completed quickly
Direct lines of communication with the insurer

However, what benefits the insurer may not always benefit you, especially when it comes to quality, parts, and thoroughness.

You Don’t Have to Choose Direct Repair Program Shops

In New Jersey, insurance companies can only recommend a Direct Repair Program shop. However, you do not have to require you to use a specific repair shop. According to the New Jersey Department of Banking and Insurance, you have the right to choose where to take your vehicle for repairs. So if you want to choose Elmer’s Auto Body in Sewell, Medford, or Mt. Ephraim, your insurance provider can’t tell you otherwise.

Furthermore, if you go first with a DRP shop and then decide to go somewhere else because the service didn’t meant your expectations, you can do that as well. We’ll help!

Why You Might Want to Avoid a DRP Shop

Not every DRP shop is going to do poor work on your repair. However, the system is designed to serve the insurance provider’s interest, not yours. DRP shops may even cut corners on repairs to save on the cost. Here’s some methods used to make repairs cheaper for insurers:

Use of non-OEM or recycled parts
Rushed repairs to meet timelines
Skipping essential structural scans
Missing ADAS recalibrations
Inconsistent communication and low transparency

At Elmer’s Auto Body, we don’t have a DRP agreement with insurance providers, but we do maintain good relationships with many. We work for our clients, not the insurer. Our priority has been and always will be restoring your vehicle to its pre-accident condition with OEM parts.

Pro Tip from Elmer’s Auto Body

If you’re unsure whether a DRP shop is the right choice, ask for the shop’s certifications, whether they use OEM parts, and if they perform structural scans and ADAS calibration. If they don’t offer full transparency, it’s your cue to walk away—and call Elmer’s instead.

What to Say If The Insurance Adjuster Pushes a DRP Shop

If you’ve already chosen Elmer’s Auto Body or another trusted shop and your adjuster insists on their preferred vendor, here’s how to respond:

“I understand, but I’ve chosen my own repair shop.” You don’t have to give a reason. It’s your right.

“Can you email me everything in writing?” This discourages pressure tactics and gives you a record of what’s said.

“I’d like to review my policy and get back to you.” Take your time. You’re not obligated to rush into anything.

If you ever feel uncertain or pressured, contact us directly. We’ll help you understand your rights and even speak with the insurer on your behalf.

Will Insurance Still Cover Repairs If You Don’t Use the DRP Shop?

Yes. It’s your right to choose where you would like to take your car for repairs. That means that insurance must cover those repairs at any shop of your choosing, so long as the costs are within industry standards.

Elmer’s Auto Body works alongside insurance companies to make sure the full scope of repairs are covered. We also provide full documentation, OEM part justification, structural and diagnostic scans to your insurer so that they can’t deny your claim. Additionally, any changes that need to be made to the estimate or final price will be communicated to you and the insurer.

How Elmer’s Auto Body Makes the Process Easy

We’ve helped thousands of drivers across Gloucester, Camden, and Burlington counties deal with insurance claims without the runaround. Here’s how we make it easier for you:

We help coordinate with your insurer without compromising quality.
We walk you through your estimate so you understand every line.
Our certified technicians use OEM parts and factory-correct procedures.
We keep you informed with digital updates, texts, and direct contact.

Insurance DRP FAQ

1. Can my insurance company force me to use their DRP shop?: No. New Jersey law protects your right to choose your own auto body repair shop.
2. Will I have to pay more if I go to a non-DRP shop?: Not necessarily. If your repair estimate is fair and within industry standards, your insurance must still pay.
3. What’s the downside of using a DRP shop?: Some DRP shops may use non-OEM parts, cut corners to save money, or skip key diagnostics and calibrations.
4. Can Elmer’s Auto Body work with my insurance?: Yes. We work with all major insurers, but we don’t let them dictate how your car is repaired. We advocate for your vehicle’s safety and quality.
5. What if I already authorized repairs at a DRP but now have doubts?: You may be able to cancel the repair authorization if work hasn’t started. Contact us and we’ll help you navigate next steps.

Don’t Settle For a DRP Shop, Choose a Top-Rated Auto Repair Shop in South Jersey

If the DRP shop doesn’t meet your standards, don’t settle for it. Your car was in an accident and needs to be returned to its previous condition, so you should only choose the best. If your insurer is pushing a Direct Repair Program shop and you’re not comfortable with it, let us know. At Elmer’s Auto Body, we handle the hard conversations with insurers so you don’t have to.

Choose an Independent Auto Body Repair Shop in South Jersey

Elmer’s Auto Body isn’t a DRP shop. We’ve been family-owned, operated, and independent of insurance company influence since 1947. To us, restoring your vehicle to its pre-accident condition is of the utmost importance, which is why our technicians are trained and certified in a variety of makes and models. It’s also why we only use OEM parts. Let’s get your vehicle—and your confidence—back on the road.

Mt. Ephraim: (856) 456-7018 |
Sewell: (856) 218-0202 |
Medford: (609) 714-4050

Contact Elmer’s Auto Body Today

What Happens When Insurance Refuses OEM Parts? Know Your Rights

When insurance refuses OEM parts, you can fight back.

After an accident, things tend to get confusing and frustrating. Not only are you dealing with the inconvenience of a damaged vehicle, you may also have injuries and other personal matters to tackle. Insurance companies also tend to have their preferences—and those may not always align with what you want. For instance, what if you want Original Equipment Manufacturer (OEM) parts for your repairs, but your insurance says no? Can your insurance really refuse that request? As an insurance policyholder in New Jersey, you have certain rights. Knowing those rights will make all the difference in where you take your vehicle for auto repair and what kind of parts you receive.

At Elmer’s Auto Body, we want to help New Jersey drivers like you get back on the road safely, which is why we also ensure you know your legal auto repair rights.

Key Takeaways

If your insurance company refuses OEM parts, your repair estimate may include aftermarket or recycled parts, which can impact quality, fit, and long-term performance.
In New Jersey, you have the right to request OEM parts, but if your vehicle is over two years old with more than 30,000 miles, you may have to pay the cost difference yourself.
Auto body shops like Elmer’s Auto Body can advocate for OEM parts on your behalf when safety, fit, or vehicle systems are at risk, and may help get insurer approval with proper documentation.
You can formally dispute your insurance company’s decision through New Jersey’s Department of Banking and Insurance if you believe aftermarket parts compromise your vehicle’s safety or value.
Disagreements over parts can delay repairs, so it’s important to review your policy, talk to your repair shop early, and understand your rights under New Jersey law.

What Happens When Insurance Refuses OEM Parts?

After an accident, you expect your vehicle to be repaired using the same quality parts that it originally had. But if your insurance company says no to those OEM parts, what can you do?

1. Check Your Repair Estimate

When your insurance company refuses OEM parts, the repair estimate they approve will likely include aftermarket or recycled (salvage) parts. These are typically less expensive for the insurer but may not offer the same quality, durability, or exact fit as factory parts.

Aftermarket parts are made by third-party manufacturers and can vary in material, dimensions, and performance. Recycled parts, on the other hand, come from other vehicles and may have wear and tear depending on their age and condition. While your repair shop doesn’t have to use these parts, the insurance payout is based on what they approved. So if OEM parts are used instead, you could be responsible for the cost difference.

2. You Can Legally Request OEM Parts—But May Pay The Difference

You don’t have to accept the use of aftermarket parts for your vehicle repair. However, in New Jersey, there is no legal requirement for OEM use either. In other words, NJ insurance companies can opt to use aftermarket or salvage parts for auto body repair if the vehicle is over two years old and has more than 30,000 miles.

Now, as mentioned previously, while you have the right to request the use of OEM parts, you may have to pay the price difference out-of-pocket. For instance, if the insurance company covers a $200 aftermarket fender and the OEM version costs $400, you would be responsible for the $200 gap. While it’s an added expense, many vehicle owners feel the added quality and long-term reliability are worth it.

3. The Auto Body Repair Shop May Push Back on Your Behalf

Not all situations are final. If your body shop believes the OEM part is necessary for a safe, proper repair, they may be able to advocate for it. At Elmer’s Auto Body, we frequently review insurance estimates and push back when we believe alternative parts could compromise vehicle structure, fitment, or safety. Furthermore, we only use OEM parts for auto body repair.

Shops can provide documentation to the insurer explaining why an OEM part is justified—especially for structural components, ADAS-related sensors, or vehicles still under manufacturer warranty. In many cases, insurance companies will revise their estimate when provided with clear evidence and reasoning.

Pro Tip

If your insurance company won’t approve OEM parts, talk to your repair shop. A reputable auto body shop can often push back on your behalf and provide documentation that justifies OEM use—especially for safety-critical or warranty-related repairs.

4. Dispute the Insurance Decision

If the insurance company continues to refuse to cover OEM parts for accident repair, you can file a formal complaint or appeal the decision. In New Jersey, the Department of Banking and Insurance allows consumers to challenge claim decisions when they believe repair quality or vehicle value is at risk.

To support your dispute, you’ll want to collect written estimates, photos, and a repair shop statement that outlines why OEM parts are necessary. Documentation showing that aftermarket parts don’t meet safety or performance standards can strengthen your case.

5. Repairs May Be Delayed

Keep in mind that any disagreement in parts may cause a delay in the repairs. Most repair shops wait for final insurance approval or confirmation on who is paying for what before beginning work. This avoids billing confusion and ensures you’re not surprised by unexpected out-of-pocket costs once the job is complete.

To minimize delays, talk with your repair shop early about your preferences and check your insurance policy for any OEM-specific clauses. Knowing what’s covered—and what’s not—can help avoid frustrating delays and get your vehicle back on the road faster.

What are Your Legal Rights for Auto Repair in New Jersey?

When it comes to car repair after an accident, you have rights, including:

The right to choose your repair shop, no matter what insurance recommends. Many insurance companies urge customers to use a “direct-repair facility” or DRP. These facilities have contractual agreements with insurance companies and will perform repairs quickly and within a specified budget, though this isn’t always the best for you.
The right to receive written notice on which parts are being used for repairs. If you aren’t being given OEM parts, the insurance company or repair center must tell you that.
You also have the right to request OEM parts, even if the parts aren’t covered by your policy.
You can challenge insurance decisions that may compromise the quality and safety of your vehicle.

Frequently Asked Questions

1. Can my insurance company refuse OEM parts for my vehicle repair?

Yes. In New Jersey, insurers can deny OEM parts for vehicles that are more than two years old and have over 30,000 miles. In these cases, aftermarket or recycled parts may be approved instead.

2. Do I have the right to request OEM parts?

Yes, you can request OEM parts at any time. However, if your insurance doesn’t cover them, you may be responsible for the price difference between the OEM and aftermarket part.

3. What should I do if I disagree with the insurance company’s decision?

You can dispute the insurer’s decision by filing a complaint with the New Jersey Department of Banking and Insurance. Supporting documents—like estimates and safety concerns—will strengthen your case.

4. Can the auto body shop help me get OEM parts approved?

Yes. If your shop believes OEM parts are necessary, they can advocate for you by explaining why aftermarket parts are not appropriate and submitting documentation to your insurer.

Get OEM Parts for Your Vehicle at Elmer’s Auto Body

When your insurance company refuses OEM parts, you’re not out of options. Rather, you just need to know what steps to take. Whether it’s paying the difference, disputing the claim, or asking your repair shop to push for better parts, you have choices.

At Elmer’s Auto Body, we use only OEM parts. Our team works with South Jersey drivers at our three locations—Medford, Mt. Ephraim, and Sewell—to get you the parts you need, even when your insurance company refuses to provide for OEM parts. If needed, we’ll advocate for OEM parts with your insurance company and provide documentation that supports their use.

Your Car Deserves OEM Parts

Don’t drive away from the collision repair shop with anything but OEM parts. If you’ve been in an accident and need a top-rated auto body repair shop in South Jersey or guidance on parts, coverage, or claims, get in touch with the Elmer’s Auto Body team. Now serving three convenient South Jersey locations:

Mt. Ephraim: (856) 456-7018 |
Sewell: (856) 218-0202 |
Medford: (609) 714-4050

Contact Elmer’s Auto Body Today