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Can My Insurance Company Force Me to Use Aftermarket Parts in Arizona?

Arizona insurance companies cannot physically force you to use cheap aftermarket parts, but they will write their estimates using them to save money. At Airpark Auto Collision, we fight to get original equipment manufacturer (OEM) parts on your vehicle because your safety depends on them.

What does Arizona law say about OEM versus aftermarket parts?

Arizona administrative code requires insurance companies to disclose when they use non-OEM parts on a repair estimate. Beyond that disclosure, the law does not stop insurers from basing their payment calculations on cheaper, imitation components. However, you always have the final say on where your vehicle is repaired and what parts are used, though policy terms and state regulations vary regarding who pays the cost difference.

Why insurance companies push for aftermarket and LKQ parts

Insurance companies are looking to settle claims as cheaply as possible to protect their bottom line. They frequently write estimates using aftermarket or 'Like Kind and Quality' (LKQ) salvaged parts. These parts are often made by third-party manufacturers overseas and are not held to the same strict safety, crash-testing, and fitment standards as genuine factory parts.

  • Aftermarket panels often do not fit correctly, leaving uneven gaps that damage your vehicle's resale value.
  • Imitation structural parts may not crumple or absorb impact as engineered during a second collision.
  • Using non-OEM parts on newer vehicles can jeopardize or void portions of your manufacturer's warranty.
  • Modern safety sensors and cameras often fail to calibrate correctly when mounted behind non-OEM windshields or bumpers.

How an independent shop advocates for your OEM parts

Because Airpark Auto Collision does not participate in insurance Direct Repair Programs (DRPs), we do not have contracts forcing us to cut corners or use cheap alternative parts. We work directly for you, the vehicle owner. From our shop in North Phoenix, we serve drivers across Deer Valley, the TSMC corridor, Anthem, Cave Creek, and Scottsdale by standing up to major insurance carriers, documenting the safety necessity of OEM components, and submitting detailed supplements to get them covered.

If your insurance company is insisting on cheap imitation parts for your repair, call Airpark Auto Collision at (602) 600-7825. We will review your estimate, explain your options, and fight to ensure your vehicle is restored using safe, genuine OEM parts.

The critical role of ADAS calibration with OEM parts

Modern vehicles are highly complex machines relying on Advanced Driver Assistance Systems (ADAS). If a bumper, mirror, or windshield is replaced with an aftermarket alternative, the cameras and radar sensors behind them may fail to calibrate. We perform full diagnostic pre- and post-scans and precise ADAS calibrations in-house to verify that your vehicle's safety systems are operating exactly as the manufacturer intended.

Common Questions

Will using aftermarket parts void my vehicle's warranty?

Using aftermarket parts does not completely void your vehicle warranty, but the manufacturer will not cover any failures caused directly by that aftermarket part. If an imitation bumper causes your parking sensors or radar system to fail, you will have to pay out of pocket to fix it. Insisting on OEM parts protects your factory warranty.

What is the difference between OEM, aftermarket, and LKQ parts?

OEM (Original Equipment Manufacturer) parts are made by your vehicle's manufacturer specifically for your car. Aftermarket parts are copied and built by third-party companies, often with lower quality controls and cheaper materials. LKQ (Like Kind and Quality) typically refers to used parts salvaged from wrecked vehicles, which may have unseen wear, rust, or previous damage.

Do I have to pay out of pocket if I insist on OEM parts?

Some insurance policies state they will only pay for the cost of aftermarket equivalents. However, as an independent shop, we regularly negotiate with insurers, demonstrating why aftermarket parts are unsafe or incompatible for your specific repair, often getting them to cover the OEM parts without extra cost to you.

Call Airpark 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.