Car insurance guide · Updated October 21, 2026
A repair estimate can use original-equipment, aftermarket, recycled or reconditioned parts. The policy, endorsement, state rules and repair details determine what is considered.
Do not rely on a phrase such as “factory parts preferred.” Ask how the contract defines eligible parts, whether an endorsement applies and who pays any difference.
| Part of the decision | Why it matters | Question to ask |
|---|---|---|
| OEM part | A part associated with the vehicle's original manufacturer or its parts network. | Does the policy promise OEM parts, and for which vehicles or components? |
| Aftermarket part | A new part made outside the original manufacturer's parts channel. | What certification, warranty and fit information is available? |
| Recycled part | A usable original part removed from another vehicle. | How are condition, mileage and warranty documented? |
| Betterment or price difference | Some repairs can create a cost the policy does not pay in full. | Who is responsible for any upgrade or unavailable-part difference? |
Look for parts language, appraisal terms, repair-shop rights and applicable endorsements.
Identify part type, labor operation, calibration, scans, paint materials and taxes.
Modern repairs may require sensor calibration and manufacturer procedures beyond the visible part.
Save the first estimate, supplements, invoices, photos and written claim explanations.
This page explains a comparison process. It does not decide coverage, eligibility, fault, claim value or legal rights. Those answers depend on the policy, the facts and applicable state law. Ask the insurer or an authorized insurance professional to explain the current documents, and contact the state insurance department when you need regulatory help.
Rules, policy forms and company practices change. Use these resources as a starting point and confirm the current contract and state requirements.
Updated October 21, 2026. See our editorial policy, comparison method and corrections process.