If your car has been in an accident, one of the first questions you’ll face is what type of parts will be used in the repair. Will they be original manufacturer parts (OEM), or aftermarket alternatives? The difference matters, not just for your car’s quality, but also for what your insurance company is willing to cover.
What Are OEM Parts?
OEM stands for Original Equipment Manufacturer. These are the exact same parts your car came with when it was new. They’re designed, tested, and approved by the vehicle’s manufacturer, which makes them reliable in terms of fit and performance.
- Built to manufacturer’s original specifications
- Guaranteed compatibility with your specific vehicle model
- Often backed by a manufacturer’s warranty
What Are Aftermarket Parts?
Aftermarket parts are manufactured by third-party companies rather than the original automaker. Because multiple companies can produce the same type of replacement part, they are widely available in the market, often at a lower price than OEM parts. This affordability makes them attractive to both insurers and drivers looking to save money. However, the trade-off is inconsistency. Some aftermarket brands invest in high-quality production and testing, while others cut corners to keep costs down. That means two parts that look identical might perform very differently once installed. Fit and finish can also vary, sometimes requiring extra adjustments during repairs, or in some cases, causing issues with vehicle safety systems if the part isn’t an exact match. Understanding this variability is key before agreeing to use aftermarket parts in your repairs.
- Usually less expensive than OEM parts
- Quality can vary significantly between brands
- May not always fit or perform exactly like OEM parts
Insurance and OEM Parts
Most insurance companies default to covering aftermarket parts unless your policy specifically states otherwise. This is because aftermarket components are generally less costly, helping insurers keep claim expenses lower. However, some policies offer OEM endorsements or add-ons that guarantee original manufacturer parts in repairs.
In California, insurers can specify non-OEM crash parts by default, but only if the parts are equal in kind, quality, safety, fit, and performance, and the insurer discloses this in writing, warrants the parts, and covers any needed modifications.
- Standard policies often allow aftermarket parts for body repairs
- OEM coverage may require an additional premium
- Some states have laws requiring insurers to disclose when non-OEM parts are used
Pros and Cons of OEM vs. Aftermarket
Choosing between OEM and aftermarket isn’t always simple. The right decision depends on what matters most to you: cost, reliability, or long-term value. OEM parts come with the assurance of exact fit, factory-tested quality, and brand-backed warranties, which is why many drivers feel more confident choosing them. On the other hand, aftermarket parts appeal to people looking to save money or get repairs done quickly, since they are more widely available and often less expensive. Still, the variation in quality across aftermarket brands can sometimes make the savings less appealing if it means sacrificing durability or resale value.
- OEM parts ensure a precise fit and maintain resale value
- Aftermarket parts are cheaper and more accessible
- OEM coverage may increase premiums, but provides consistency
- Aftermarket coverage saves insurers money, but quality may vary
How to Protect Your Choice
Before approving repairs, review your insurance policy carefully. If you prefer OEM parts, check if you need an endorsement or rider for that coverage. If your policy doesn’t include OEM, you may still request them, but be prepared for possible out-of-pocket costs. Using insurance claims assistance service can also help ensure you get clear answers from your insurer.
- Read your policy for OEM or aftermarket clauses
- Ask your adjuster directly about part coverage
- Consider adding OEM endorsements if available
At Unique Auto Collision, we know these decisions can be confusing, especially when insurance companies and repair shops use different terms. The key is understanding your options and asking the right questions before repairs begin. By knowing how OEM and aftermarket parts are covered, you can make choices that protect both your car and your wallet.
