When it comes to auto repairs, the difference between OEM (Original Equipment Manufacturer) and aftermarket parts can be confusing to some.
When your car is damaged and headed to the shop, most people assume it’ll be fixed “good as new.” But what many don’t realize is that not all replacement parts are created equal — and the type of part used can affect your vehicle’s performance, safety features, and even its resale value. In most insurance repairs, carriers default to aftermarket parts — components made by third-party manufacturers — instead of OEM (Original Equipment Manufacturer) parts. Why? Because aftermarket parts are cheaper and more widely available, helping insurers control costs. But that cost savings can sometimes come at a price. Let’s break down the key differences, the risks, and how to protect yourself when repairs are in motion.
What’s the difference?
OEM parts are made by your car’s manufacturer.
Aftermarket parts are made by third parties to fit your car, but may vary in quality.
Why insurers often prefer aftermarket
They’re cheaper — sometimes by 30–50%
Widely available and faster to source
Help insurers reduce claim costs
But cheaper doesn’t always mean better.
Real story: A client in New York received an estimate with an aftermarket bumper that didn’t align properly. It caused issues with sensor calibration — and cost more to fix later.
Know your rights
Depending on your policy and state:
You may have the right to request OEM parts
You might need to pay the difference between OEM and aftermarket
Some states require shops to disclose when aftermarket parts are used
Filing 1st Party (Collision Coverage) or 3rd Party (through another drivers insurance) can mean all the difference in what parts are required.
Before signing off on any repairs, take a few minutes to research your rights as a consumer. Many states have laws requiring disclosure when aftermarket parts are used, and some insurers even allow policyholders to opt into OEM part coverage for an added fee. You can also request a copy of your repair estimate and compare part numbers online to confirm whether you’re getting OEM or aftermarket components.
Resources like your state’s Department of Insurance website or trusted auto forums can provide leverage when you need to push back.
If you're unsure what you're entitled to — or how to make your case — Extennsion can help you review your estimate and advocate for repairs that prioritize your safety, not just the insurer’s bottom line. Reach out today for expert support.