Glossary

Aftermarket parts

Replacement parts made by companies other than the carmaker, usually cheaper than original-equipment parts and often specified in insurer repair estimates.

Also called: non-OEM parts, competitive replacement parts, imitation parts

Aftermarket parts are replacement parts produced by independent manufacturers rather than the vehicle's maker. On collision repairs they are most common for exterior crash parts such as bumper covers, fenders, hoods, grilles and lights. They usually cost less than OEM parts, which is why many insurers write them into estimates, particularly on older cars.

Quality varies by part and maker, and some aftermarket parts are certified by independent testing programs. An NAIC model regulation says insurers may not require replacement crash parts unless they are at least equal to the original in fit, quality and performance, and that such parts must carry the manufacturer's identification. Many states require estimates to disclose non-OEM parts, and some go further: in Rhode Island, aftermarket parts on cars less than 48 months old need the owner's written consent.

Recycled (used) original parts and remanufactured parts are separate categories, also cheaper than new OEM parts. If you want new original parts regardless of the car's age, ask whether your insurer sells an OEM parts endorsement; otherwise you may pay the price difference yourself. Read your estimate line by line, and if you use a direct repair program shop, ask which parts it plans to install.

Last reviewed October 4, 2026

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Related terms

OEM parts Replacement parts made by or for the vehicle's own automaker, as opposed to aftermarket parts from other makers or recycled parts. Betterment A deduction an insurer takes when a repair replaces a worn part with a new one, leaving the car in better condition than before the loss. Direct repair program An arrangement between an insurer and approved body shops that accept its pricing and procedures in exchange for referred repair work. Endorsement A written amendment to an insurance policy that adds, removes or changes coverage, such as rideshare use, rental coverage or OEM parts. Actual cash value What a car was worth just before a loss — replacement cost minus depreciation — and the basis of most total-loss payouts.

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