Are OEM or aftermarket parts used in your car insurance repair?

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When your car is repaired after an accident, your insurance company can authorize either OEM (original equipment manufacturer) parts or aftermarket parts made by third-party suppliers. Most insurers use aftermarket or recycled parts when possible to keep repair and premium costs down — unless your policy specifically guarantees OEM replacements.

That’s why, even if your car looks flawless after repairs, it’s worth asking what went under the hood. OEM parts are built by your car’s maker and match the original design exactly, while aftermarket parts are often cheaper, widely available, and made to fit multiple vehicles.

Understanding the difference helps you make informed choices after an accident — and ensures you know exactly what your insurance will (and won’t) cover.

Understanding OEM vs. aftermarket parts

When your car’s repaired, not all replacement parts are the same — and the type used can affect cost, quality, and how well your vehicle performs afterward. Here’s a quick guide to what each type means:

• OEM parts. Made by your car’s original manufacturer, these are identical to the parts your vehicle was built with and are designed for a perfect fit and finish.
• Aftermarket parts. Produced by third-party companies, these parts are usually more affordable and easier to find. Many perform just as well as OEM versions, though quality can vary by brand.
• Recycled or reconditioned parts. These are used components salvaged from other vehicles and refurbished for reuse — a cost-effective and environmentally friendly option.

Your insurer typically decides which type of part to use based on your car’s age, state regulations, and the terms of your policy.

How insurers decide which parts to use

Your insurance company’s goal is to restore your car to its pre-loss condition — the way it was right before the accident — at a reasonable cost. That often means using aftermarket or recycled parts, especially for older cars.

If you prefer OEM parts, most insurers allow that — but you’ll usually need to pay the difference in cost.

Factors that influence which parts are used

When your car goes in for repairs, your insurer looks at several details before deciding whether to use OEM, aftermarket, or recycled parts. These decisions aren’t random — they balance cost, availability, and what your policy allows. Here’s what typically guides the choice:

• Coverage type. Both collision and comprehensive cover repairs but don’t guarantee OEM parts unless your policy includes that endorsement.
• Vehicle age. Newer vehicles are more likely to qualify for OEM parts; older ones often get aftermarket replacements.
• State regulations. Some states require disclosure or consent before non-OEM parts are used.
• Preferred repair networks. Insurers’ partner shops typically use approved, cost-effective parts for quicker turnaround.
  

What the law says about aftermarket parts

Whether insurers can use non-OEM parts depends on state law. Most states allow them as long as they meet safety and quality standards, but a few require written consent or disclosure.

Outside these states, insurers generally have discretion as long as the repairs return your vehicle to its pre-loss condition.

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The pros and cons of aftermarket parts

Aftermarket parts can save you money — but they also come with trade-offs. Some drivers prefer the peace of mind of OEM components, while others are happy to use quality third-party parts that get the job done for less. Understanding both sides can help you decide what’s right for your vehicle and your budget.

The case for aftermarket parts

Aftermarket parts are often cheaper and easier to get, helping insurers and drivers keep repair and insurance costs manageable.

Pros include:

• Lower cost. Repairs are less expensive, which helps keep premiums stable.
• Faster repairs. Parts are usually easier to source, reducing wait times.
• Comparable quality. Many aftermarket parts are built to meet or exceed OEM standards.
  

The case against aftermarket parts

Critics argue that oversight of the aftermarket industry is inconsistent and quality varies by supplier.

There’s accountability with OEM parts because there’s a carmaker behind them. When something’s pulled out of a junkyard and doesn’t work, there’s no one held accountable — and that could put drivers at risk.

OEM parts often provide better fit, safety and peace of mind, especially for newer cars or those under warranty. But they come at a higher cost and can delay repairs if parts are on backorder.

What to do if you want OEM parts

If you’d rather use OEM parts, you have options — but you may pay more out of pocket.

Here’s how to approach it the right way:

1. Talk to your insurer and repair shop early. Ask for a written estimate showing which parts will be used.Check your state’s consent laws. Some states require approval before using non-OEM parts on newer vehicles.
2. Request an OEM parts endorsement. Many insurers offer add-ons that guarantee OEM parts for future repairs.
3. Get it in writing. Keep a record of your request and any agreements.
4. Know your vehicle’s limits. Older cars or discontinued models may not have OEM parts available.
   

If you’re keeping your car another year, an aftermarket part might make sense. But if safety or resale value matters most, OEM is worth the investment.

Why aftermarket parts can benefit everyone

The aftermarket industry plays a big role in keeping repair costs — and insurance rates — in check.

Without it, experts say, repair costs could jump 50% to 100%, leading insurers to declare more total losses and pushing more vehicles into junkyards prematurely.

That’s bad news for both drivers and the environment. A healthy aftermarket keeps cars on the road longer and helps reduce waste.

Final thoughts

Whether your car is repaired with OEM or aftermarket parts, the goal is the same: to make it safe, functional and road-ready again.

OEM parts provide precision and assurance, while aftermarket parts offer affordability and availability. The right choice depends on your car’s age, value and how long you plan to keep it.

If you’re unsure, ask questions before repairs begin. Transparency with your insurer and repair shop is the best way to get the outcome — and peace of mind — you want.