Most state laws allow insurance companies to use after market parts instead of factory or original equipment manufacturer (OEM) parts. There are typically guidelines though about the parts they can use. For instance in Florida while OEM parts are not necessarily used the non-factory parts by law have to be of like kind and quality as well as have the same fit and performance as the parts being replaced. In New Jersey the insurance company is only obligated to restore the vehicle to the same condition before the loss. Sometimes this might require the use of OEM parts and sometimes after-market parts can be used. In NJ, and Illinois as well, you do not have to accept non-OEM parts but if the insurer wants to use them and you want the more expensive OEM parts, you must pay the difference.
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You will need to contact your state's DMV or insurance regulator to find out what the state laws or statutes are regarding original factory parts and aftermarket parts. If your state allows for after-market parts you will likely have to pay the difference between those parts and OEM parts if that is what you really want used on the repair of your Honda Civic Ex. [Let CarInsurance.com help you find affordable auto insurance now.] | 
