Do I Have to Accept Aftermarket Parts in Repairs?

Find Law Fast Team
Sep 21
2 min read

After a car accident, your repair shop or insurer may suggest using aftermarket parts instead of original manufacturer (OEM) parts. That raises a big question: Do you have to accept aftermarket parts in your repairs?

The short answer: not always — it depends on your policy and your state’s laws.

1. What Are Aftermarket Parts?

Aftermarket parts are components made by a company other than your car’s manufacturer.

✅ Usually cheaper than OEM parts.
✅ Can be just as safe and functional.
❌ Sometimes lower quality or less precise fit.

2. Insurance Company Preferences

Insurers often push for aftermarket parts because they:

Keep repair costs down.
Are widely available.
Help avoid declaring a total loss.

But cheaper doesn’t always mean better — and you don’t always have to settle.

3. Your Rights to OEM Parts

Some states require insurers to disclose when aftermarket parts are used.
Certain policies or add-ons may guarantee OEM-only parts for repairs.
If your car is new or still under warranty, OEM parts may be necessary to maintain coverage.

4. How to Push Back

If you want OEM parts:

Check 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.

5. When Aftermarket Parts May Be Fine

For older vehicles with lower market value.
For cosmetic parts where fit and function matter less.
When aftermarket parts are certified to meet safety standards.

The Bottom Line

You don’t always have to accept aftermarket parts — but pushing for OEM may mean extra cost or negotiation. Knowing your rights and policy terms can help you make the best choice.

👉 If you’ve been in a car accident and are unsure about parts being used in your repairs, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Repair part requirements vary by state law and insurance policy. Always consult a qualified professional about your situation.