OEM parts are made by the vehicle's original manufacturer. Aftermarket parts aren't. In Virginia, an insurer that writes an estimate using aftermarket sheet-metal or plastic exterior parts must tell you so in writing, on the estimate or attached to it, and those parts must be at least equal in like kind and quality in fit, quality and performance (Va. Code § 38.2-510(C)).
Va. Code § 38.2-510(C) defines an aftermarket part as one not made by the original equipment manufacturer that is a sheet metal or plastic part generally forming the exterior of the vehicle, including inner and outer panels. Think bumpers, fenders, hoods, doors and quarter panels.
The estimate, or a document attached to it, must say it was prepared based on parts not made by the original manufacturer, and that such parts are required to be at least equal in like kind and quality in fit, quality and performance to the parts they replace. If your estimate lists non-OEM exterior parts and you didn't get that notice, ask about it.
Estimates may also list used (recycled) parts or reconditioned parts. Your estimate should identify the type for each line. Ask what each abbreviation means.
Some policies or endorsements address OEM parts directly. Check your declarations page and policy, especially on newer vehicles and leases, since a lease may require OEM parts.
Fit and finish problems can show up later and can affect how a buyer or dealer views the vehicle. Document the parts used on the final repair invoice.
Three sides to every claim. I've worked all of them. Geoffrey C. Albach has spent 33 years in the industry as an independent appraiser, a former insurance staff adjuster, and a collision repair operations director.
By Geoffrey C. Albach, independent auto damage appraiser · About Geoff
Related guides: How to Read Your Auto Insurance Estimate · Should I Accept the Insurance Company's Estimate? · Can My Insurance Company Choose My Repair Facility in Virginia? · All guides
Areas we serve: Lynchburg · Roanoke · Charlottesville · All areas
No, but Va. Code § 38.2-510(C) requires a written notice when an estimate is based on aftermarket exterior parts, and they must be at least equal in like kind and quality.
OEM parts come from the vehicle's original manufacturer. Aftermarket parts are made by someone else.
You can ask. Whether the insurer pays for them depends on your policy and the claim. A lease may require OEM parts.
On the estimate and the final repair invoice.
General information, not legal advice. Talk to a Virginia attorney about your specific claim.
Call or text Geoff at 434-665-6059. Lynchburg, VA.
