insurance needed now!

that is soo true.. you wouldnt believe what most insurance companys want you to put back on cars to replace the broken parts.. had a guys truck in the shop last week 07 chevy 1500 only 3000 miles on it and the claims adjustor wrote the estimate using all aftermarket parts , said that the owner didnt have on his policy to replace with OEM parts?? so sometimes cheap isnt always better