Well, in 03 I went through this with my shop when i had all my work done with the new PJ.
After talking with 4 insurance companies and honda, the automotive insurance law states that the insurance company does not have to supply orignal OEM parts to a car that is more than 1 year old/12k miles. Unless customer supplied/pays the extra.
They always supply "oem replacements". All of the ins. company's use the replacement pricing when doing a report. Maybe if your car is an 01 with under 24k or something, you can probably argue with your ins. company and make them pay the extra for a OEM bumper. Then youll just have to prove that they used one.
Veng and other replacement manufacturers are a crap shoot. Some parts are good fitting, other's are not. I recieved front/rear bumpers and wheel from Veng and the bumper fits great. No extra seam at all. My buddies TL has two bumpers and they fit like junk.