A major issue regarding this is that these parts aren’t always up to industry standard. This means that the quality and safety of the parts are unknown because they’re not test like factory OEM parts are. This is what insurance companies won’t tell you.
This makes the case for stating that your safety is worth more than the $24 of savings to the insurance company. In addition, in many cases, the use of these imitation parts can lead to “repair related diminished value”. This means that because cheaper parts were used instead of OEM parts, your cars value can be diminished when you want to trade it in—costing you much more than the $24 per year savings. In addition to having a free choice in choosing the body shop you want, it makes good sense to ask them if they use OEM parts.