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Insurance

OEM vs. Aftermarket Parts: What's the Difference?

Your estimate lists parts as OEM, A/M, LKQ or Reman. Here's what those letters mean for your car.

OEM (original equipment manufacturer)

Made by or for the car's manufacturer — the same part your car came with. Best fit and finish, highest price.

Aftermarket (A/M)

Made by another company to fit your car. Quality ranges from excellent to poor. Certified aftermarket parts (for example, CAPA-certified) are tested for fit and materials.

Used / recycled (LKQ)

Original parts taken from another car of the same model. They're OEM quality but used, and may need refinishing.

Remanufactured

Rebuilt parts — common for things like steering racks, wheels and some electronics.

What your insurance pays for

Many policies allow non-OEM parts on newer and older cars alike. California regulations require the estimate to identify non-OEM parts and require those parts to be of like kind and quality. If you want OEM parts and your policy doesn't cover them, you can usually pay the difference.

Our approach

For safety systems — sensors, airbags, structural parts — we follow the manufacturer's repair procedures. We'll tell you what's on your estimate and why.

FAQ

Can I ask for OEM parts?

Yes. If your policy doesn't require OEM, the insurer may pay the aftermarket price and you can pay the difference.

Are aftermarket parts safe?

Certified aftermarket parts can be fine for cosmetic panels. For structural and safety parts, follow the manufacturer's procedures.

This article is general information, not legal or insurance advice. Rules and policies change — check your policy and the official source, or ask us.

*Deductible assistance of up to $1,000 is available only on insurance claims where your insurance company has approved a repair amount of $8,000 or more and the repair is performed in accordance with that insurer-approved estimate (California Penal Code § 551(b)). We never increase a repair estimate to cover a deductible. Not available on customer-pay repairs. Ask us for details before your repair begins.

**Free computer diagnostic scan: we read and explain your vehicle's trouble codes at no charge, no purchase required. If the problem needs in-depth testing (labor), we give you a written estimate and get your approval before any paid work, as California law requires.

†Warranty: limited lifetime warranty on our collision, body and paint workmanship for as long as you own the vehicle; 24 months / 24,000 miles (whichever comes first) on mechanical repairs, parts and labor. Not covered: normal wear, new damage, abuse or neglect, rust or chips from road debris, and customer-supplied parts. Warranty terms are written on your invoice.

‡Accident towing: you pay nothing out of pocket when you have collision coverage or the other driver is at fault — we pay the tow and bill the insurance company. If no insurance covers the tow, we tell you the price before the truck is sent.

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