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Can Your Insurance Company Force You to Use Aftermarket Parts in Arizona?

Arizona insurance companies cannot legally force you to use aftermarket parts if your policy or safety standards dictate otherwise. You have the right to demand original equipment manufacturer (OEM) parts to restore your vehicle to its pre-accident condition.

What Is the Difference Between OEM and Aftermarket Parts?

Original Equipment Manufacturer (OEM) parts are designed and built by the company that made your vehicle. They are identical to the parts your car had when it rolled off the assembly line, ensuring a perfect fit, correct structural performance, and seamless integration with safety sensors. Aftermarket parts are copies made by third-party manufacturers. While they are often cheaper, they may not meet the same rigorous safety, crash-testing, or durability standards as original factory components.

Does Arizona Law Allow Insurers to Write Estimates with Aftermarket Parts?

In Arizona, insurance companies are permitted to write repair estimates using aftermarket or salvage parts, but they must clearly disclose this on the estimate. However, they cannot compromise the structural safety of your vehicle. Insurance policies and local regulations vary, and your policy terms will dictate the specific language regarding parts replacement. Because we are an independent shop and do not participate in insurance Direct Repair Programs (DRPs), we advocate strictly for you, prioritizing OEM parts to protect your vehicle's safety and resale value.

How to Ensure Your Vehicle Receives OEM Parts

Securing OEM parts often requires a shop that is willing to stand up to the insurance company's cost-cutting measures. We serve drivers across Glendale, Peoria, Sun City, Surprise, El Mirage, Youngtown, and west Phoenix by providing detailed, evidence-based repair plans. We prove to insurers why aftermarket parts are insufficient, particularly when dealing with critical structural components and sensitive Advanced Driver Assistance Systems (ADAS) that require precise factory calibrations.

  • Safety Sensors and ADAS: Aftermarket brackets and bumper covers can interfere with blind-spot monitors and lane-departure sensors.
  • Structural Integrity: Crumple zones are engineered to perform exactly with OEM metal thickness and tensile strength.
  • Warranty Protection: Using imitation parts can complicate your vehicle's factory warranty coverage.
  • Resale Value: Vehicles repaired with cheap aftermarket parts often suffer from a steeper drop in trade-in value.

Do not let an insurance company dictate the safety of your vehicle. Contact Liberty Collision Center at (623) 931-2110 to discuss your repair estimate and learn how we fight for the OEM parts your vehicle deserves.

Common Questions

Will using aftermarket parts void my vehicle's manufacturer warranty?

Generally, federal law prevents manufacturers from voiding a warranty simply because an aftermarket part was used. However, if that aftermarket part fails or causes damage to other components, those specific repairs will not be covered by your vehicle's factory warranty. Utilizing OEM parts eliminates this risk entirely and keeps your warranty intact.

How do I know if the insurance company put aftermarket parts on my estimate?

Insurers are required by Arizona regulations to clearly mark non-OEM parts on your estimate. Look for abbreviations like 'A/M' (Aftermarket), 'LKQ' (Like Kind and Quality), 'QRP' (Quality Replacement Part), or 'Recycled'. Bring your estimate to Liberty Collision Center, and we will review it with you to identify exactly what parts the insurer is trying to use.

Why do insurance companies push so hard for aftermarket parts?

Insurance companies push for aftermarket and salvaged parts because they cost significantly less than original factory parts, which directly protects the insurer's bottom line. Because Liberty Collision Center is an independent shop, we work for you—not the insurance company—and we do not compromise on the quality or safety of your repair.

Call Liberty Before You Make a Decision

If your insurance company is telling you where to take your car, your vehicle is sitting in an impound lot, or your claim is being delayed — call us first. We'll explain your options.