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What do OEM and aftermarket parts mean in terms of car insurance?
I'm getting my car repaired in a shop after an accident. The mechanic is replacing my bumper with an aftermarket part. What does this mean?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Repair shops often use aftermarket parts because they’re cheaper and easier to find when
repairing a vehicle
. An aftermarket part is a replacement part that is not made by the manufacturer of the vehicle. You may think of it as an off-brand replacement. Some
car insurance companies
will only pay for aftermarket parts as they are known to be of the same quality as an OEM part. OEM stands for original equipment manufacturer. If you opt for this coverage on your car insurance policy, your insurance company will pay to replace your vehicle with OEM parts instead of aftermarket.
If you have a specialty or modified vehicle, it may matter more to you that you have original equipment manufacturer (OEM) parts, but most vehicle owners won’t notice the difference.
Should you want to add OEM coverage in the future, go to
Jerry
. Jerry finds the best car insurance rates for customized coverage in seconds! And the best part–Jerry does this for free.”View full answer
- Gregory R.
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