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WOW TFF..I couldnt have said it better....Most companies now dont use aftermarket sheet metal until the car has at least 40000 miles and 4 years old..They use aftermarket plastic parts (bumper covers,headlamps,a/c ,radiators) after the vehicle is 1 year old...Always the 1st choice LKQ (Like,kind and Quality)..Basically a used part..But that used part has to be off the same year,same mileage or better and same condition..The insurance companys are mandated by the state by these regulations..Also if the insurance company uses aftermarket parts they will give the same warranty as o.e.m..Its mostly on a car by car basis...Depending on the cars condition...
And like TFF said "read your policy"..It is all stated in there...
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