Do I Have to Accept Aftermarket Parts?

 After a car accident, your insurer or repair shop might suggest using aftermarket parts instead of original equipment manufacturer (OEM) parts. This raises an important question: Do you have to accept aftermarket parts for your vehicle repairs? 

 1. Understanding Aftermarket Parts

Aftermarket parts are components produced by companies other than your vehicle's original manufacturer.

Pros:

• Generally more affordable than OEM parts.
   
• Can be of comparable quality and performance.
   

Cons:

• Potentially lower quality or less precise fit.
   

Insurance companies often favor aftermarket parts because they:

• Help keep repair costs lower.
   
• Are readily available.
   
• Assist in avoiding a total loss declaration.
   

However, cheaper doesn't always mean better, and you don't always have to accept them.

In some states, insurers are required to disclose when aftermarket parts are used.

Certain policies or add-ons may guarantee OEM-only parts for repairs.

If your vehicle is new or still under warranty, OEM parts may be necessary to maintain coverage.

If you prefer OEM parts:

• Review your policy for an OEM endorsement or rider.
   
• Ask your repair shop to justify why OEM is needed for safety.
   
• Be prepared to cover the cost difference if your insurer refuses.
   

Aftermarket parts might be suitable for:

• Older vehicles with lower market value.
   
• Cosmetic parts where fit and function are less critical.
   
• Parts certified to meet safety standards.