After a collision somebody decides whether your car is repaired with manufacturer parts or aftermarket equivalents. That decision is in your policy, and most drivers have never read it.
Many policies permit aftermarket parts. Whether you can require original equipment is a specific term.
Three things about how a repair is actually done.
Most policies permit the use of aftermarket or recycled parts of like kind and quality. On an older vehicle that is reasonable and keeps premiums down. On a newer or higher-value car, owners frequently assume original manufacturer parts are guaranteed, and they usually are not unless the policy says so.
Several carriers offer an original equipment endorsement that requires manufacturer parts for repairs, often limited to vehicles under a certain age. For a recent vehicle it is a small premium for a materially different repair.
Where a part carries a sensor or forms part of a crash structure, fitment and calibration matter more than appearance. That is the practical argument for manufacturer parts on a modern car, rather than a preference about quality in the abstract.
The repair terms, before the repair.
One clause, rarely read, and it decides the outcome.
Usually age-limited and usually inexpensive.
Arizona lets you choose. Carriers may recommend; they do not decide.
Tell us the age of each vehicle and whether you want original parts guaranteed.
We read the parts clause and offer the endorsement when it is worth having.
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