IA SF2383

First-party partial-loss motor vehicle claims must be estimated and paid based only on aftermarket crash parts available from distributors located within 100 miles of the insured's designated repair facility.

Third-party partial-loss claims must be estimated and paid based on new original equipment manufacturer (OEM) parts unless the vehicle owner provides written consent to use aftermarket or salvaged parts.

Insurers must pay for any modifications that become necessary when repairs are made using aftermarket crash parts or parts salvaged from the crashed vehicle.

For third-party claims using non-OEM parts, insurers must agree to defend and indemnify both the vehicle owner and repair facility against any claims related to those repairs.

Violations are subject to cease and desist orders, civil penalties ranging from $1,000 to $50,000, and potential license suspension or revocation.