The estimate for my Mustang’s fender replacement looked cheap, so I read the fine print: “Parts Source: CAPA Certified Aftermarket.” I screamed at the AI chatbot handling my claim that a 1969 Ford doesn’t take 2026 plastic-composite reproduction steel from overseas. They told me if I wanted OEM steel or New Old Stock (NOS), I’d have to pay the $3,000 difference out of pocket.
Key Takeaways
- LKQ is not OEM: “Like Kind and Quality” allows insurers to use the cheapest part that fits, often Taiwanese reproductions with poor panel gaps.
- OEM Endorsement: You must specifically add an “Original Equipment Manufacturer” parts endorsement to guarantee genuine metal.
- The “Betterment” Clause: If an old fender is replaced with a brand new NOS fender, the insurer might charge you for the increase in value (Betterment).
- Fitment Fights: Aftermarket parts often require hours of body labor to fit. Insurers rarely pay for this extra labor.
The “Why” (The Trap): The Replacement Parts Clause
Standard policies state they will repair the vehicle to “industry standards.”
For a 2020 Camry, an aftermarket fender is fine. For a classic, it ruins the pedigree.
Unless your policy explicitly states “New Old Stock” or “Original Equipment,” the adjuster’s software automatically selects the cheapest available part code.
[IMAGE: Photo comparison of a stamped OEM Ford fender vs. a thin aftermarket reproduction showing poor alignment]
The Investigation: I Called Them
I asked three carriers about their parts philosophy for a 1969 Mustang.
1. Chubb (The Collector Standard)
- The Policy: They prioritize “preservation of value.”
- The Result: They pay for OEM parts if available. If not, they pay for the fabrication of new parts or high-end sourcing.
- Pros: They understand that “Chinese steel” devalues the car.
2. State Farm (Classic)
- The Policy: Standard repair guidelines.
- The Result: They quoted aftermarket. When I pushed for OEM, they said, “We will pay the aftermarket price; you pay the difference.”
- Cons: You will fight for every dollar.
3. Hagerty
- The Policy: “Stock Original” focus.
- The Result: They have a specialized parts sourcing team. They explicitly cover the cost to find NOS parts, even if they are rare.
- Pros: They are car people. They know the difference.
Comparison Table
| Feature | Standard Auto | Specialty Classic (Hagerty/Chubb) |
| Parts Source | Cheapest Available (Aftermarket) | OEM / NOS Preferred |
| Labor for Fitment | Standard Book Time | Actual Time (Custom) |
| Search Costs | Your Problem | Covered |
| Betterment Charge | Yes (You pay) | Waived |
Step-by-Step Action Plan
- Check the “Parts” Clause: Read your policy. Does it mention “Aftermarket” or “Non-OEM”?
- Demand “Stock” Coverage: When buying the policy, ask: “Does this cover New Old Stock parts?”
- Refuse the Estimate: If the adjuster writes for aftermarket, refuse it. Submit a counter-estimate from a restoration specialist stating that aftermarket parts will diminish the vehicle’s value.
- Buy the Endorsement: Many carriers offer an “OEM Parts” rider for an extra $20/year. Buy it.
FAQ Section
What if OEM parts don’t exist anymore?
Specialty insurers will pay for “fabrication” (making the part from scratch) or sourcing a clean used part from a donor car.
Does this apply to glass?
Yes. Original “date-coded” glass is valuable. Standard Safelite replacement glass hurts the car’s value. Ensure glass coverage includes date-coded replacements.
Can I choose my own body shop?
Yes. Never use the insurer’s “Direct Repair Program” (DRP) shop for a classic. They are volume shops. Choose a restoration specialist.