OEM parts are made by or for the vehicle’s original manufacturer. Aftermarket parts are made by other companies to fit the vehicle, often at lower cost. Insurance estimates frequently specify aftermarket or used parts, and many drivers do not realize they can ask questions or request alternatives.
Understanding these terms before signing a repair authorization helps drivers make informed choices.
The Three Common Part Types
- OEM: matches the original part’s design and specifications; often the most expensive.
- Aftermarket: made by third parties; quality varies by manufacturer and certification.
- Recycled or used OEM: original parts taken from salvaged vehicles; can be cost-effective.
Some aftermarket parts carry certification from organizations like the Certified Automotive Parts Association, which tests fit and quality.
How Insurance Affects the Choice
Insurance policies often allow the insurer to pay for aftermarket or used parts, and some states require written disclosure when non-OEM parts are used. If you want OEM parts, ask your insurer whether your policy covers them or whether you would pay the difference. Some policies offer OEM endorsements.
Many states give drivers the right to choose their repair shop, even if the insurer recommends a network shop. Check your state’s insurance department resources and read your policy before authorizing repairs.
After the Repair
Inspect the vehicle in daylight before accepting it. Check paint color match, panel gaps, and whether doors, lights, and sensors work properly. Ask for a final invoice listing the parts used and any calibrations performed.
Keep repair records for future resale and warranty claims. If something feels wrong after driving, contact the shop promptly, since many warranty claims depend on timely reporting.
If a repair dispute arises, contact your insurer and keep copies of estimates, photos, and invoices to support your position. Organized records make any dispute much easier to resolve fairly.
Questions to Ask the Body Shop
Ask which parts will be used for each repair, whether they are certified, and how the shop handles vehicle safety systems and calibrations. Request a written estimate and warranty for parts and labor. Ask whether the shop follows manufacturer repair procedures for your vehicle.
Drivers can compare estimates from collision repair shops on Great Biz Dir to understand parts choices before authorizing work. Comparing estimates there helps drivers understand parts choices before authorizing work.
Know What Goes on Your Car
OEM, aftermarket, and used parts each have trade-offs in cost and fit. Check your policy and state disclosure rules, remember you can usually choose your shop, and ask body shops about certified parts, repair procedures, and warranties. Great Biz Dir can help you compare collision repair shops.
Frequently asked questions
Quality varies by manufacturer. Some aftermarket parts are certified for fit and quality, while others may differ from original specifications. Ask the shop which parts will be used, whether they are certified, and how they affect safety systems and warranties.
Many states give drivers the right to choose their repair shop, even if the insurer suggests a network shop. Check your policy and your state insurance department's guidance. Insurers may still limit what they pay based on their estimate. Review your policy before authorizing work.
It depends on the policy. Many standard policies allow aftermarket or used parts, while some offer endorsements covering OEM parts. If you prefer OEM parts, ask your insurer whether you would need to pay the price difference. Ask for written cost differences.
CAPA certification comes from the Certified Automotive Parts Association, which tests certain aftermarket parts for fit, materials, and quality. Certification gives drivers and shops more confidence in aftermarket parts. Ask the shop whether parts on your estimate are certified. Certification adds confidence in quality.
