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- You can ask for OEM parts, but insurers are not always required to approve them.
- OEM parts match factory specifications, while aftermarket parts are usually cheaper alternatives.
- Most insurance policies default to aftermarket parts unless an OEM endorsement exists.
- You may have to pay the price difference if OEM parts are approved without coverage.
- Vehicle age, policy language and state rules all affect parts decisions.
After an accident, most drivers focus on getting their car back on the road quickly. But once the repair estimate arrives, a key question often comes up: will the shop use original manufacturer parts, or lower‑cost aftermarket replacements? The answer depends less on what you want and more on what your insurance policy allows.
Insurance companies typically aim to restore your vehicle to its pre‑loss condition at the lowest reasonable cost. That usually means aftermarket or recycled parts unless your policy includes specific language requiring OEM components. While you can request OEM parts, insurers are not always obligated to approve them.
OEM parts vs. aftermarket parts
OEM parts are produced by the same manufacturer that built your vehicle and are designed to match factory specifications for fit, performance and durability. Aftermarket parts are made by third‑party manufacturers and are usually less expensive. Many meet safety standards, but quality and fit can vary.
Most insurers default to aftermarket parts because they reduce claim costs. If you want OEM parts, you may need an OEM endorsement, or you may be required to pay the difference between the aftermarket price and the OEM price. Some states require insurers to disclose when non‑OEM parts are used, but disclosure does not guarantee approval.
Vehicle age also matters. Newer cars, luxury vehicles, or cars still under manufacturer warranty are more likely to qualify for OEM parts, especially if the policy includes an OEM provision. Older vehicles are more likely to be repaired with aftermarket or recycled parts.
Decision checklist: Should you push for OEM parts?
Use this checklist before repairs begin to see if you should push for OEM parts:
- Your vehicle is less than three to five years old.
- Your car is still under manufacturer warranty.
- Your policy includes OEM parts coverage or an endorsement.
- You are concerned about resale value or long‑term performance.
- You are willing to pay the cost difference if required.
- Your state requires disclosure or offers protections for OEM requests.
If most of these apply, requesting OEM parts may be worthwhile.
Step‑by‑step guide: How to request OEM parts on an insurance claim
Here’s how to request OEM parts when you’re filing an insurance claim:
- Report the claim as soon as possible and request a copy of the repair estimate.
- Review your policy for OEM, aftermarket, or parts replacement language.
- Tell the adjuster in writing that you are requesting OEM parts.
- Ask whether your policy includes OEM coverage or requires a cost difference.
- Get a written estimate from the repair shop showing OEM vs. aftermarket pricing.
- Confirm approval before repairs begin to avoid unexpected charges.
- Document all communications in case disputes arise.
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What happens if OEM parts are denied?
If your insurer denies OEM parts, you can still choose them, but you’ll usually be responsible for the price difference. In some cases, you can appeal the decision or involve the repair shop if fit or safety concerns arise.
Bottom line
You can request OEM parts after an accident, but approval depends on your policy, your vehicle and state rules. Insurers typically prioritize cost control, so knowing your coverage and speaking up early gives you the best chance to get the parts you want without paying more than expected.
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