Auto Insurance
Aftermarket Parts
Non-OEM replacement parts used in repairs — insurers often default to these to reduce claim costs.
Last reviewed: May 2026 · Editorial methodology
Definition
Aftermarket parts are replacement vehicle components manufactured by companies other than the original vehicle maker. They are typically cheaper than OEM parts — often 10–60% less — which is why most standard auto insurance policies allow their use in covered repairs. Aftermarket parts may meet or exceed OEM quality in some cases, but fit and finish can vary and they may not carry the vehicle's original warranty. Consumer advocates recommend requesting OEM parts when the vehicle is newer than five years or under manufacturer warranty. If an insurer uses aftermarket parts that degrade vehicle value, the difference may support a diminished value claim.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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