After an accident, the collision repair estimate in your hand raises a question you may not have expected: who decides which parts go on your vehicle? Understanding your collision repair rights before you sign anything protects both your car and your wallet. Plaza Collision walks you through what Missouri law and your own policy actually say about aftermarket parts.
What Counts as an Aftermarket Part
Aftermarket crash parts — fenders, bumpers, grilles, hoods, and door panels — come from manufacturers other than the company that built your vehicle. Original equipment manufacturer (OEM) parts match your vehicle exactly because they come from the same source as the originals. The difference matters for fit, finish, and long-term resale value.
Missouri Law Puts Disclosure First
You are not required to accept aftermarket parts without knowing it. Under Missouri Revised Statutes Section 407.295, no insurer can specify aftermarket crash parts unless your written estimate clearly identifies each non-OEM part, along with a disclosure stating that any warranty comes from the parts manufacturer or distributor rather than your automaker. Read that estimate closely and ask your questions before any work begins.
Your Policy May Decide Which Parts Are Covered
Whether your insurer pays for OEM parts depends on your coverage, not just your preference. Some policies only cover OEM parts if you carry an OEM rider or endorsement, so requesting factory parts without one may leave you paying the difference. Reviewing your policy before you ever need it puts you in a much stronger position at claim time.
Schedule an Estimate at Plaza Collision
You deserve a repair that restores your vehicle and your peace of mind, with every part choice explained upfront. Our collision center serving St. Louis, MO, reviews your estimate line by line and can discuss payment options and insurance questions before repairs begin. Contact Plaza Collision and put your repair in capable, careful hands.