| ArizonaAll Arizona rules | Arizona allows non-OEM crash parts only on conditions. The insurer can't settle on non-OEM exterior sheet metal or plastic parts, and you can't install them, unless each part carries its maker's name or logo and the estimate identifies each one with a 10-point notice that the parts maker, not the carmaker, provides the warranty. A shop violation is an unlawful practice under the consumer fraud law; the insurer rule is enforced only by the Director of Insurance. The parts rules cover only nonmechanical exterior sheet metal or plastic parts, including inner and outer panels. The insurer rule in 20-461 applies when the conduct is frequent enough to be a general business practice and gives no private right to sue: only the Director of Insurance enforces it. Under 44-1294 a violation by a shop or installer is an unlawful practice under Arizona's consumer fraud chapter. | InsurerFrom a list that begins: “A person shall not commit or perform with such a frequency to indicate as a general business practice any of the following:” “Attempting to settle claims for the replacement of any nonmechanical sheet metal or plastic part which generally constitutes the exterior of a motor vehicle, including inner and outer panels, with an aftermarket crash part which is not made by or for the manufacturer of an insured's motor vehicle unless the part meets the specifications of section 44-1292” A.R.S. § 20-461, azleg.gov text, 2026 session update Shop“A motor vehicle repair facility or motor vehicle parts installer shall not use a nonoriginal equipment manufacturer aftermarket crash part to repair a vehicle unless the part meets the specifications of section 44-1292 and unless the consumer is advised in a written notice attached to or printed on a repair estimate which:” A.R.S. § 44-1293, azleg.gov text, 2026 session update Parts standard“This estimate has been prepared based on the use of replacement parts supplied by a source other than the manufacturer of your motor vehicle. Warranties applicable to these replacement parts are provided by the manufacturer or distributor of these parts rather than the manufacturer of your vehicle.” A.R.S. § 44-1293, azleg.gov text, 2026 session update Parts standard“A nonoriginal equipment manufacturer that supplies an aftermarket crash part for use in this state shall affix to the part or inscribe on the part the logo or name of the manufacturer.” A.R.S. § 44-1292, azleg.gov text, 2026 session update Shop“Violation of this article is declared to be an unlawful practice and is subject to all of the penalties and enforcement procedures provided in chapter 10, article 7 of this title.” A.R.S. § 44-1294, azleg.gov text, 2026 session update |
| CaliforniaAll California rules | In California, the insurer can't require non-OEM aftermarket crash parts unless your customer is told in a written estimate before repairs. Those parts must be at least equal to OEM in kind, quality, safety, fit and performance, and the insurer must state in its estimate that it warrants this. If a part falls short, the insurer pays to return it and replace it. Your estimate must say whether each crash part is OEM or non-OEM. The disclosure document must be in 10-point type or larger and say any warranty comes from the parts maker or distributor, not the car maker. The insurer that specifies non-OEM parts also pays for any modifications needed to make them fit, and your invoice must also say whether crash parts are OEM or non-OEM. | Insurer“No insurer shall require the use of nonoriginal equipment manufacturer aftermarket crash parts in the repair of an insured’s motor vehicle, unless the consumer is advised in a written estimate of the use of nonoriginal equipment manufacturer aftermarket crash parts before repairs are made.” Cal. Bus. & Prof. Code 9875.1 Shop“Each crash part shall be identified on the written estimate and the written estimate shall indicate whether the crash part is an original equipment manufacturer crash part or a nonoriginal equipment manufacturer aftermarket crash part.” Cal. Bus. & Prof. Code 9884.9, effective 1/1/2019 Parts standard“(g) No insurer shall require the use of non-original equipment manufacturer replacement crash parts in the repair of an automobile unless all of the following conditions are met:
(1) the parts are at least equal to the original equipment manufacturer parts in terms of kind, quality, safety, fit, and performance;” 10 CCR 2695.8, effective 1/1/2017 (Cornell LII copy) Insurer“The insurer must disclose in writing, in any estimate prepared by or for the insurer, the fact that it warrants that such parts are at least equal to the original equipment manufacturer parts in terms of kind, quality, safety, fit, and performance;” 10 CCR 2695.8, effective 1/1/2017 (Cornell LII copy) InsurerFrom a list that begins: “In the repair of a particular vehicle, an insurer specifying the use of a non-original equipment manufacturer replacement crash part that is not equal to the original equipment manufacturer part in terms of kind, quality, safety, fit, and performance, or does not otherwise comply with this section,” “shall pay for the costs associated with returning the part and the cost to remove and replace the non-original equipment manufacturer part with a compliant non-original equipment manufacturer part or an original equipment manufacturer part.” 10 CCR 2695.8, effective 1/1/2017 (Cornell LII copy) |
| ColoradoAll Colorado rules | In Colorado, the insurer can specify non-OEM crash parts only if it tells the insured. Its written estimate must mark each one as non-OEM and carry a notice, in 10-point type or larger, that any warranty comes from the parts maker or distributor, not the car maker. Your estimate must say whether each part is new OEM, new non-OEM, used, reconditioned or rebuilt, and you need your customer's consent before installing it. An insurer's violation is an unfair insurance practice. The insurer disclosure rule covers exterior sheet metal and plastic crash parts on the insured's own vehicle. If your customer agrees to used, reconditioned or rebuilt parts, you must adjust the estimate to reflect the changed cost; oral consent must be recorded on the work order. | Insurer“No insurer shall specify the use of nonoriginal equipment replacement crash parts in the repair of an insured's motor vehicle without disclosing the intended use of such parts to the insured.” CRS 10-3-1305, 2026 edition Parts standard“"This estimate has been prepared based on the use of one or more crash parts supplied by a source other than the manufacturer of your motor vehicle. Warranties, if any, applicable to these replacement crash parts are provided by the parts manufacturer or distributor rather than by the manufacturer of your vehicle."” CRS 10-3-1305, 2026 edition Parts standard“Any nonoriginal equipment replacement crash part supplied for use in this state shall have the name or trademark of the manufacturer affixed to or inscribed on it.” CRS 10-3-1304, 2026 edition Shop“The motor vehicle repair facility shall specify in the original estimate whether any parts to be installed are new original equipment manufacturer, new nonoriginal equipment manufacturer, used, reconditioned, or rebuilt and then shall obtain the consent of the customer before any new original equipment manufacturer, new nonoriginal equipment manufacturer, used, reconditioned, or rebuilt parts are installed in the motor vehicle.” CRS 42-9-107, 2026 edition Insurer“A violation of or noncompliance with any provision of this part 13 shall be an unfair method of competition and unfair or deceptive act or practice in the business of insurance subject to the provisions of part 11 of this article.” CRS 10-3-1306, 2026 edition |
| FloridaAll Florida rules | In Florida, the insurer can't require replacement parts that aren't at least equal in kind and quality to the damaged parts in fit, appearance and performance. Any estimate with non-OEM aftermarket crash parts, the insurer's or yours, must identify each one and carry a 10-point warranty notice; a violation is an unfair insurance practice for the insurer and a deceptive trade practice for you. You can't swap used, rebuilt or salvaged parts for new without telling the owner and, on a claim, the insurer. Fla. Stat. 626.9743 applies to personal and commercial motor vehicle insurance claims. You must tell the insurer about a used or rebuilt part only when the repair is paid under a policy and the insurer or its adjuster has been identified to you; your invoice must also identify any used, rebuilt or reconditioned replacement part. | Parts standard“(4) An insurer may not require the use of replacement parts in the repair of a motor vehicle which are not at least equivalent in kind and quality to the damaged parts prior to the loss in terms of fit, appearance, and performance.” Fla. Stat. 626.9743, 2026 edition Insurer“In all instances where nonoriginal equipment manufacturer aftermarket crash parts are used in preparing an estimate for repairs, the written estimate prepared by the insurer or the repair facility, or both, shall clearly identify each such part.” Fla. Stat. 501.33, 2026 edition Parts standard“THIS ESTIMATE HAS BEEN PREPARED BASED ON THE USE OF CRASH PARTS SUPPLIED BY A SOURCE OTHER THAN THE MANUFACTURER OF YOUR MOTOR VEHICLE. THE AFTERMARKET CRASH PARTS USED IN THE PREPARATION OF THIS ESTIMATE ARE WARRANTED BY THE MANUFACTURER OR DISTRIBUTOR OF SUCH PARTS RATHER THAN THE MANUFACTURER OF YOUR VEHICLE.” Fla. Stat. 501.33, 2026 edition ShopFrom a list that begins: “It is a violation of this act for any motor vehicle repair shop or employee thereof to do any of the following:” “(10) Substitute used, rebuilt, salvaged, or straightened parts for new replacement parts without notice to the motor vehicle owner and to her or his insurer if the cost of repair is to be paid pursuant to an insurance policy and the identity of the insurer or its claims adjuster is disclosed to the motor vehicle repair shop.” Fla. Stat. 559.920, 2026 edition Insurer“(1) Any violation of this part by an insurer shall be deemed a violation of the Unfair Insurance Trade Practices Act, part IX, chapter 626.
(2) Any violation of this part by a repair facility shall be deemed a violation of the Florida Deceptive and Unfair Trade Practices Act, part II, this chapter.” Fla. Stat. 501.34, 2026 edition |
| GeorgiaAll Georgia rules | In Georgia the insurer can price the repair with non-OEM crash parts only if they'd restore the car's pre-accident quality, safety, function and appearance, and it can't require the insured to authorize them to settle the claim. Any estimate the adjuster or you write with them must identify each part and attach a 10-point notice that the parts maker, not the carmaker, warrants them. Each part must carry its maker's logo, ID number or name. The rules cover exterior sheet metal or plastic crash parts, including inner and outer panels. The consent and pricing rules in 120-2-52-.05 protect the insured. The statute text is a RepairMCP consolidation of O.C.G.A. 33-6-5 through SB 201 (effective 1/1/2026), not an official text. | Insurer“In all instances where nonoriginal equipment manufacturer aftermarket crash parts are used in preparing an estimate for repairs the written estimate prepared by the insurance adjuster and repair facility shall clearly identify each such part.” O.C.G.A. 33-6-5, 2019 official release (public.resource.org copy) Parts standard“THIS ESTIMATE HAS BEEN PREPARED BASED ON THE USE OF AFTERMARKET CRASH PARTS SUPPLIED BY A SOURCE OTHER THAN THE MANUFACTURER OF YOUR MOTOR VEHICLE. THE AFTERMARKET CRASH PARTS USED IN THE PREPARATION OF THIS ESTIMATE ARE WARRANTED BY THE MANUFACTURER OR DISTRIBUTOR OF SUCH PARTS RATHER THAN THE MANUFACTURER OF YOUR VEHICLE.” O.C.G.A. 33-6-5, 2019 official release (public.resource.org copy) Parts standard“Any aftermarket crash part manufactured or supplied for use in this state on or after January 1, 1990, shall have affixed thereto or inscribed thereon the logo, identification number, or name of its manufacturer.” O.C.G.A. 33-6-5, 2019 official release (public.resource.org copy) Parts standard“The price of nonoriginal manufacturer aftermarket crash parts may be used by insurers to determine repair costs, provided the use of such parts would restore the damaged vehicle to its preaccident condition relative to quality, safety, function and appearance.” Ga. Comp. R. & Regs. 120-2-52-.05, effective 4/18/1994 Insurer“No insurer, as part of a claims settlement, may require an insured to authorize the use of nonoriginal manufacturer aftermarket crash parts in the repair of a damaged vehicle.” Ga. Comp. R. & Regs. 120-2-52-.05, effective 4/18/1994 |
| IllinoisAll Illinois rules | In Illinois, the insurer can't specify non-OEM aftermarket crash parts, and you can't install them, unless your customer is told in writing. The insurer's estimate must identify each such part and carry a notice that the parts maker or distributor provides the warranty. Your estimate must label major parts as new, used, rebuilt or reconditioned, or aftermarket. By rule, the insurer can't require crash parts that aren't at least equal in like kind and quality to the original. Non-OEM aftermarket crash parts must carry the maker's logo or name, visible after installation when practicable. The 919.80 crash parts standard is part of the rules on automobile claims the insurer pays on its insured's vehicle. | Insurer“No insurer shall specify the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle, nor shall any repair facility or installer use non-OEM aftermarket crash parts to repair a vehicle unless the customer is advised of that fact in writing.” 215 ILCS 5/155.29 InsurerFrom a list that begins: “In all instances where an insurer intends that non-OEM aftermarket crash parts be used in the repair of a motor vehicle, the insurer shall provide the customer with the following information:” “(1) a written estimate that clearly identifies each non-OEM aftermarket crash part; and” 215 ILCS 5/155.29 Parts standardFrom a list that begins: “a disclosure settlement incorporated into or attached to the estimate that reads as follows:” “Warranties applicable to these replacement parts are provided by the manufacturer or distributor of these parts rather than the manufacturer of your vehicle.” 215 ILCS 5/155.29 Shop“(c) Motor vehicle collision repair facilities shall describe in the estimate the major parts needed to effectuate the repair and shall designate the parts as either new parts, used parts, rebuilt or reconditioned parts, or aftermarket parts as set forth in Section 10 of this Act.” 815 ILCS 308/15, effective 1/1/2004 Parts standard“No insurer shall require the use of replacement crash parts in the repair of an automobile unless the replacement crash part is at least equal in like kind and quality to the original part in terms of fit, quality and performance. Insurers specifying the use of replacement crash parts shall consider the cost of any modifications which may become necessary when making the repair.” 50 Ill. Adm. Code 919.80, effective 7/22/2002 |
| IndianaAll Indiana rules | Indiana gives the insured the choice of parts. Before an insurer paying for exterior body work directs a shop to repair the car, it must give the insured written notice of the right to approve the parts type (new OEM, new non-OEM, or used) and a chance to choose in writing. Refusing to pay for, or direct the shop to use, the type chosen is an unfair claim settlement practice. This applies only for 5 years after the model year. The chapter covers body parts (exterior sheet metal or plastic, including inner and outer panels) under policies issued or renewed after June 30, 1991, and protects the insured. Under IC 27-4-1.5-13, the insurer's duties count as performed if its agent or the body shop it directs performs them. | Insurer“An insurer that is obligated to pay at least part of the cost of repairing the exterior of a motor vehicle under an insurance policy issued by the insurer may not direct a body shop to repair the motor vehicle until the insurer has presented the insured with a written notice that meets the requirements set forth in subsections (b) and (c).” IC 27-4-1.5-8, Indiana Code 2026 edition InsurerFrom a list that begins: “An insurer described in subsection (a) shall present the insured with a written notice that does the following:” “(1) Informs the insured that the insured has a right to approve the type of body parts to be used in the repair of the motor vehicle.” IC 27-4-1.5-8, Indiana Code 2026 edition Insurer“(2) Gives the insured an opportunity, in approving the type of body parts to be used in the repair of the motor vehicle, to select from among the following:
(A) New body parts manufactured by or for the manufacturer of the motor vehicle.
(B) New body parts that were not manufactured by or for the manufacturer of the motor vehicle.
(C) Used body parts.” IC 27-4-1.5-8, Indiana Code 2026 edition Insurer“(c) An insurer described in subsection (a) shall give the insured an opportunity to indicate in writing the type of body part that the insured approves for use in the repair of the motor vehicle.
(d) This section applies only in the five (5) years after the model year of the motor vehicle.” IC 27-4-1.5-8, Indiana Code 2026 edition InsurerFrom a list that begins: “An insurer that:” “(2) refuses to:
(A) pay for; or
(B) direct a body shop to use; the type of body parts approved by the insured under section 8(c) of this chapter in the repair of the motor vehicle;
commits an unfair claims settlement practice under IC 27-4-1-4.5.” IC 27-4-1.5-12, Indiana Code 2026 edition |
| MarylandAll Maryland rules | Maryland's crash parts rules bind you. Before starting, list the replacement parts for the owner and say whether they're genuine; if any are aftermarket, include a 10-point capitals statement that they may modify the carmaker's warranty and that you'll provide any available parts warranty on request. A violation is an unfair or deceptive practice. On request, the insurer must give the insured a copy of any available aftermarket parts warranty. Whether it can require them is a question for state insurance regulators or a lawyer. Crash parts mean exterior or interior sheet metal or fiberglass body panels and parts, and the subtitle covers passenger cars, not motor homes. The subtitle does not stop a person from suing a body shop for damages or require using administrative remedies first. Nothing in this collection says whether the insurer may require aftermarket parts. | Insurer“An insurer that issues or delivers in the State a policy of motor vehicle liability insurance that provides coverage for the repair of physical damage to the motor vehicle shall provide, on request of the insured, a copy of the warranty for aftermarket crash parts, if available.” Md. Code, Ins. § 27-906, mgaleg.maryland.gov text in effect as of 10/1/2026 Shop“Before beginning repair work on crash parts, a body shop shall:
(1) Provide a list to the vehicle owner of the replacement crash parts that the body shop intends to use in making repairs; and
(2) Specify whether the replacement parts are genuine crash parts.” Md. Code, Com. Law § 14-2302, mgaleg.maryland.gov text in effect as of 10/1/2026 Shop“If the replacement crash parts to be used by the body shop in the repair work are aftermarket crash parts, the body shop shall include with its estimate the following written statement:” Md. Code, Com. Law § 14-2302, mgaleg.maryland.gov text in effect as of 10/1/2026 Parts standard“The use of certain aftermarket crash parts may modify the original manufacturer’s warranty on the crash parts being replaced. Upon request of the customer, the body shop shall provide, if available, a copy of any warranty for an aftermarket crash part used.” Md. Code, Com. Law § 14-2302, mgaleg.maryland.gov text in effect as of 10/1/2026 Shop“The invoice shall state clearly:
(1) If any used, rebuilt, or reconditioned parts have been supplied or if a part of a component system supplied is composed of used, rebuilt, or reconditioned parts; and” Md. Code, Com. Law § 14-1003, mgaleg.maryland.gov text in effect as of 10/1/2026 |
| MassachusettsAll Massachusetts rules | In Massachusetts, when a part must be replaced, the insurer's appraiser must write a rebuilt, aftermarket or used part of like kind and quality, unless safety would suffer, none can be found, new OEM is cheaper overall, or the car has 20,000 miles or less. Every estimate, the insurer's or yours, must identify each major non-OEM crash part with a 10-point warranty notice. If you use the appraisal's parts and both sides agree they're unfit, the insurer pays to make them usable. Section 34R covers visible exterior sheet metal or plastic crash parts and requires your repair order to name the maker or supplier of any non-OEM crash parts used; a violation is an unfair or deceptive act under chapter 93A. The mileage exception in 211 CMR 133.04 is 20,000 miles for policies written or renewed on or after January 1, 2004 (15,000 for older policies), unless the pre-accident condition warrants otherwise. A part is of like kind and quality when it is of equal or better condition than the pre-accident part. | Insurer“Whenever repairs are necessary to the visible exterior sheet metal or plastic parts of a damaged motor vehicle, any insurer or repairer preparing a written estimate of the cost of such repairs shall clearly identify in such estimate each major replacement crash part to be used which is not manufactured or supplied by the original manufacturer of the motor vehicle.” M.G.L. c. 90, § 34R, General Laws text with amendments passed before 5/31/2026 Parts standard“The repair estimate is based in part on the use of replacement parts which are not made by the original manufacturer of the damaged parts in your vehicle. Warranties, if any, applicable to these replacement parts are provided by their manufacturer or supplier rather than the manufacturer of your vehicle.” M.G.L. c. 90, § 34R, General Laws text with amendments passed before 5/31/2026 Shop“The repairer shall, on the customer's repair order or repair certification form, identify by name the manufacturer or supplier of any non-original manufacturer crash parts used in making the actual repairs.” M.G.L. c. 90, § 34R, General Laws text with amendments passed before 5/31/2026 Insurer“When it is determined
that a part must be replaced, a rebuilt, aftermarket or used part of like kind and quality shall be used
in the appraisal unless:
(a) the operational safety of the vehicle might otherwise be impaired;” 211 CMR 133.04, mass.gov text, undated Insurer“When an insurance company specifies the use of used, rebuilt, or aftermarket parts, the source
and specific part(s) must be indicated on the appraisal. If the repairer uses the source and specified
part(s) indicated on the appraisal and these parts are later determined by both parties to be unfit for
use in the repair, the insurance company shall be responsible for the costs of restoring the parts to
usable condition.” 211 CMR 133.04, mass.gov text, undated |
| MichiganAll Michigan rules | In Michigan, if the insurer asks for non-OEM aftermarket crash parts, you can install them only if the insured gets a written estimate identifying each one, with a 10-point bold notice that the warranty comes from the parts maker, distributor or insurer. Disclose used, rebuilt or reconditioned parts in writing before starting, and your final statement of repairs must say whether each part is new OEM, new, used, rebuilt, OEM surplus or reconditioned. No quality standard for aftermarket parts appears. The aftermarket crash parts act covers the insured's own vehicle when the insurer requests non-OEM parts. No quality or equivalence standard for aftermarket parts appears in the captured Michigan law. | Shop“If an insurer requests the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle, a repair facility or installer may use non-OEM aftermarket crash parts to repair a vehicle only if the insured receives a written estimate of repairs that clearly identifies each non-OEM aftermarket crash part” MCL 257.1363, effective 2/1/1992 Parts standard“"This estimate has been prepared based on the use of aftermarket crash parts supplied by a source other than the manufacturer of your motor vehicle. Warranties that apply to these replacement parts are provided by the manufacturer, distributor, or insurer of these parts."” MCL 257.1363, effective 2/1/1992 ShopFrom a list that begins: “shall not, directly or through an agent or employee, do any of the following:” “(f) Represent, either directly or indirectly, that a replacement part used in the repair of a vehicle is new or of a particular manufacture when in fact it is used, rebuilt, reconditioned, deteriorated, or of a different manufacture, or otherwise fail to disclose in writing, before beginning a repair, the use of used, rebuilt, or reconditioned parts.” MCL 257.1307a, effective 4/4/2017 ShopFrom a list that begins: “When returning a repaired vehicle to a customer, fail to give a written statement of repairs to the customer that discloses all of the following:” “(vi) The repairs or services performed, including a detailed identification of all parts that were replaced and a specification of which parts are new OEM, new, used, rebuilt, OEM surplus, or reconditioned.” MCL 257.1307, effective 4/4/2017 |
| MinnesotaAll Minnesota rules | In Minnesota the insurer or adjuster can't make paying a claim conditional on replacing parts, other than window glass, with non-OEM parts. You must mark parts on the written estimate and invoice as new, used, rebuilt, reconditioned or replated when you know it, and say whether new parts are OEM. The invoice rule covers insurance-paid work of any value. These sections set no quality or warranty standard for aftermarket parts. The written estimate definition applies to repairs over $100 on vehicles used mainly for personal, family or household purposes, and a shop gives one on the customer's request (325F.58). 72A.201 is enforced by the commissioner, and an individual violation is not an unlawful practice for purposes of section 8.31. | InsurerFrom a list that begins: “the following acts by an insurer, adjuster, or a self-insured or self-insurance administrator constitute unfair settlement practices:” “requiring as a condition of payment of a claim that repairs to any damaged vehicle must be made by a particular contractor or repair shop or that parts, other than window glass, must be replaced with parts other than original equipment parts” Minn. Stat. § 72A.201, 2025 edition ShopFrom a list that begins: “"Written estimate" means a writing which includes:” “the charges for parts or materials listed with reasonable particularity and indicating whether the parts are new, used, rebuilt, reconditioned, or replated if this information is known by the shop. If parts, other than window glass, used in the repair are new parts, the estimate must indicate whether or not those parts are original equipment parts;” Minn. Stat. § 325F.56, 2025 edition ShopFrom a list that begins: “The invoice shall contain the following information:” “a notation specifying which parts, if any, are new, used, rebuilt, reconditioned, or replated if that information is known by the shop. If parts, other than window glass, used in the repair are new parts, the invoice must indicate whether or not those parts are original equipment parts;” Minn. Stat. § 325F.60, 2025 edition Shop“for the purpose of this section "repair" means work of any value performed under a manufacturer's warranty, a service contract, or an insurance policy; or any repair work performed for a total value of more than $50,” Minn. Stat. § 325F.60, 2025 edition |
| MissouriAll Missouri rules | In Missouri the insurer can't specify non-OEM crash parts without disclosing it: the estimate must identify each part, with a 10-point notice that the parts maker, not the carmaker, provides the warranty. It can't require aftermarket parts unless they're at least equal in kind and quality to the original in fit, quality and performance, and must consider the cost of needed modifications. Each part must carry its maker's name or logo; violating the statute is an unlawful practice under sections 407.010 to 407.130. Both rules cover exterior sheet metal or plastic parts, including inner and outer panels. The regulation's estimate rules don't apply to an estimate prepared at the insured's request by someone with no contractual relationship with the insurer. The statute protects the insured and took effect January 1, 1990. | Insurer“No insurer shall specify directly or indirectly the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle without disclosing the intended use of such parts. In all instances where non-OEM aftermarket crash parts are intended for use by an insurer:
(1) The written estimate shall clearly identify each such part; and” RSMo 407.295, effective 1/1/1990 Parts standard“This estimate has been prepared based on the use of one or more crash parts supplied by a source other than the manufacturer of your motor vehicle. Warranties applicable to these replacement parts are provided by the parts manufacturer or distributor rather than by the manufacturer of your vehicle.” RSMo 407.295, effective 1/1/1990 Parts standard“Any aftermarket crash part supplied by a nonoriginal equipment manufacturer for use in this state after January 1, 1990, shall have affixed thereto or inscribed thereon the logo or name of its manufacturer.” RSMo 407.295, effective 1/1/1990 Parts standard“No insurer shall require the use of after-market parts in the repair of an automobile unless the after-market part is at least equal in kind and quality to the original part in terms of fit, quality, and performance. Insurers specifying the use of after-market parts shall consider the cost of any modifications which may become necessary when making the repair; and” 20 CSR 100-1.050, effective 7/30/2019 (PDF) InsurerFrom a list that begins: “2. No insurer may prepare an estimate, except an estimate prepared at the insured’s request by a person or entity having no contractual relationship with the insurer, of the cost of automobile repairs based on the use of an after-market part, unless each of the following conditions are met:” “A. The insurer discloses to the claimant in writing, either on the estimate or in a separate document attached to the estimate, the following information in no smaller than ten- (10-) point type: “This estimate has been prepared based on the use of an automobile part(s) not made by the original equipment manufacturer. Parts used in the repair of your vehicle by other than the original manufacturer are required to be at least equal in kind and quality in terms of fit, quality, and performance to the original manufacturer parts they are replacing.”” 20 CSR 100-1.050, effective 7/30/2019 (PDF) |
| MontanaAll Montana rules | Montana has no rule on whether the insurer can require aftermarket crash parts or what it must disclose. Your invoice must clearly say if used, rebuilt or reconditioned parts went on, unless they were remanufactured with a new-part warranty. Your customer can pick any body shop, and the insurer must pay the reasonable and necessary cost of covered repairs, up to the market price. Whether that decides which parts get paid for is a question for the Department of Insurance or a lawyer. MCA 33-18-224 covers both the insured and third-party claimants, and does not require the insurer to pay more than the market price. The unfair claim settlement list in MCA 33-18-201 applies to acts done often enough to show a general business practice. | Insurer“The claimant may use an automobile body repair business or location at the claimant's sole discretion, and the insurance company shall pay for the reasonable and necessary cost of the automobile body repair services for covered damages, less any deductible under the terms of the policy.” MCA 33-18-224, 2025 edition InsurerFrom a list that begins: “A person may not, with such frequency as to indicate a general business practice, do any of the following:” “(6) neglect to attempt in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear;” MCA 33-18-201, 2025 edition ShopFrom a list that begins: “It shall be an unfair or deceptive act or practice for a motor vehicle repair business to:” “If any used, rebuilt or reconditioned parts are supplied, then the invoice shall clearly state that fact, except such parts that have been remanufactured and carry a new part warranty.” ARM 23.19.202, effective 2/10/2006 Insurer“This section does not require an insurer to pay more for automobile body repair services than the market price, as defined in 33-18-222.” MCA 33-18-224, 2025 edition |
| New JerseyAll New Jersey rules | New Jersey's collection has no rule on whether the insurer can require aftermarket parts or must flag them. Carmakers must tell new-car buyers within 90 days that federal law bars voiding a warranty solely because an aftermarket or recycled part was used. The insurer must give the insured a detailed written estimate after inspecting, and restore the car at no extra cost if its named shop's repair isn't safe and proper. Beyond that, ask the Department of Banking and Insurance or a lawyer. The warranty notice duty falls on the manufacturer, distributor or factory branch, not on shops or insurers; failing to give it is an unlawful practice under C.56:8-2. The notice itself says the protection does not apply to a new vehicle bought solely for commercial or industrial use. The N.J.A.C. text is the Department of Banking and Insurance's own publication, which can lag an amendment, and it binds insurers. | Parts standard“Within 90 days after the purchase or lease of a new motor vehicle in the State of New Jersey, the motor vehicle manufacturer, distributor, or factory branch shall mail to the buyer or lessee a written statement,” N.J.S.A. 56:12-34.1, text through P.L.2026, c.50 Parts standard“The Magnuson-Moss Warranty Act, 15 U.S.C. s.2301 et seq., makes it illegal for motor vehicle manufacturers to void a motor vehicle warranty or deny warranty coverage solely because an aftermarket or recycled part has been used to repair the vehicle or someone other than the authorized service provider performed service on the vehicle.” N.J.S.A. 56:12-34.1, text through P.L.2026, c.50 Insurer“(9) Unfair claim settlement practices. Committing or performing with such frequency as to indicate a general business practice any of the following:
(a) Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue;” N.J.S.A. 17:29B-4, text through P.L.2026, c.50 Insurer“If the insurer inspects the damaged vehicle or causes it to be inspected, the insurer shall promptly upon completing the inspection furnish the insured or the designated representative of the insured with a detailed written estimate of the cost of repairing the damage resulting from the loss, specifying all appropriate deductions.” N.J.A.C. 11:3-10.3, DOBI copy, readopted 11/3/2021 (PDF) InsurerFrom a list that begins: “If the insured's vehicle is repaired at a repair facility whose name is furnished by the insurer under (e) above for a sum estimated by the insurer as the reasonable cost to repair the vehicle, the insurer:” “Shall cause the damaged vehicle to be restored to the condition it was in prior to the loss, at no additional cost to the insured and within a reasonable time, if the repair facility does not repair the damaged vehicle in accordance with generally accepted standards for a safe and proper repair.” N.J.A.C. 11:3-10.3, DOBI copy, readopted 11/3/2021 (PDF) |
| New YorkAll New York rules | In New York, if the insurer's estimate uses non-OEM crash parts, it must name the parts maker or supplier and can't use more than three suppliers per repair without the insured's consent. The parts must equal or beat OEM in fit, form, finish, quality and performance, with at least OEM's warranty. If the parts maker won't honor it, the insurer must restore the car at no extra cost to the insured. Your estimate and invoice must say whether body parts are OEM, non-original or used. The 11 NYCRR 216.7 parts rules sit in the section on adjusting partial losses on the insured's own vehicle; where a part has been certified by an approved certifying entity, the insurer may specify only certified parts. The estimate and invoice labeling rule in Vehicle and Traffic Law 398-D covers vehicles with a gross vehicle weight of 18,000 pounds or less. | Shop“If any body parts are included in the estimate for a vehicle with a gross vehicle weight not in excess of eighteen thousand pounds, the estimate shall clearly state whether such parts were manufactured as original equipment parts for the vehicle, or were manufactured as non-original replacement parts or are used parts.” N.Y. Veh. & Traf. Law 398-D, revised 9/22/2014 Insurer“(5) If the insurer's repair estimate is based upon the use of any non-OEM crash part:
(i) the estimate shall specify the non-OEM or non-OEM supplier;
(ii) the insurer shall not, without consent of the insured or the insured's designated representative, specify non-OEM crash parts from more than three different suppliers for any one repair;” 11 NYCRR 216.7, effective 6/9/2021 (Cornell LII copy) Parts standardFrom a list that begins: “If the insurer's repair estimate is based upon the use of any non-OEM crash part:” “(iii) the crash part shall equal or exceed the comparable OEM crash part in terms of fit, form, finish, quality and performance;
(iv) the crash part must be warranted by the non-OEM at least to the extent and duration as the comparable OEM crash part;” 11 NYCRR 216.7, effective 6/9/2021 (Cornell LII copy) Parts standardFrom a list that begins: “If the insurer's repair estimate is based upon the use of any non-OEM crash part:” “(vi) if the crash part has not been certified by a qualified certifying entity acceptable to the superintendent, the non-OEM must issue a written warranty, for at least the period of the insured's ownership of the vehicle, that the crash part equals or exceeds the comparable OEM crash part in terms of fit, form, finish, quality and performance; and” 11 NYCRR 216.7, effective 6/9/2021 (Cornell LII copy) InsurerFrom a list that begins: “If the insurer's repair estimate is based upon the use of any non-OEM crash part:” “(vii) the insurer shall cause the damaged vehicle to be restored to its preloss condition consistent with the non-OEM warranty, at no additional cost to the insured and within a reasonable time, if the non-OEM fails to honor its warranty required in subparagraph (iv) or (vi) of this paragraph.” 11 NYCRR 216.7, effective 6/9/2021 (Cornell LII copy) |
| North CarolinaAll North Carolina rules | In North Carolina the insurer can require aftermarket parts only if they're at least equal to the original in fit, quality, performance and warranty, and its estimate must cover any modifications they need. It must give the claimant a 10-point notice with the estimate. Aftermarket parts must be identified on the estimate and invoice, and you can't swap used, rebuilt or salvaged parts for new without telling the owner and a known insurer. Billing OEM while installing non-OEM violates G.S. 58-3-180. G.S. 58-36-95 covers exterior sheet metal or plastic parts not made by or for the original manufacturer; the rules define an aftermarket part as any part made by a nonoriginal manufacturer. An insurer that intends to require or specify aftermarket parts must also print a notice in the policy or on a sticker attached to it (11 NCAC 04 .0427). The 20-354.8 duty to notify the insurer applies when the repair is paid under a policy and the insurer or adjuster has been disclosed to you. | Insurer“An insurer shall disclose to a claimant in writing, either on the estimate or on a separate document attached to the estimate, the following in no smaller than ten point type: "THIS ESTIMATE HAS BEEN PREPARED BASED ON THE USE OF AUTOMOBILE PARTS NOT MADE BY THE ORIGINAL MANUFACTURER.” G.S. 58-36-95, ncleg.gov text through S.L. 2026-30 Shop“It is a violation of G.S. 58-3-180 for an automobile repair facility or parts person to place a nonoriginal crash repair part, nonoriginal windshield, or nonoriginal auto glass on a motor vehicle and to submit an invoice for an original repair part.” G.S. 58-36-95, ncleg.gov text through S.L. 2026-30 ShopFrom a list that begins: “It shall be a violation of this Article for any motor vehicle repair shop or employee of a motor vehicle repair shop to do any of the following:” “Substitute used, rebuilt, salvaged, or straightened parts for new replacement parts without notice to the motor vehicle owner and to his or her insurer if the cost of repair is to be paid pursuant to an insurance policy and the identity of the insurer or its claims adjuster is disclosed to the motor vehicle repair shop.” G.S. 20-354.8, ncleg.gov text through S.L. 2026-30 Parts standard“No insurer shall require the use of an aftermarket part in the repair of a motor vehicle unless the aftermarket part is at least equal to the original part in terms of fit, quality, performance, and warranty. Insurers specifying the use of aftermarket parts shall include in the estimate the costs of any modifications made necessary by the use of aftermarket parts.” 11 NCAC 04 .0426, effective 11/1/2021 InsurerFrom a list that begins: “Every insurer that writes motor vehicle insurance in this State and that intends to require or specify the use of after market parts must disclose to its policyholders in writing, either in the policy or on a sticker attached thereto, the following information in all capital letters and font size no smaller than ten-point:” “IN THE REPAIR OF YOUR COVERED AUTO UNDER THE PHYSICAL DAMAGE COVERAGE PROVISIONS OF THIS POLICY, WE MAY REQUIRE OR SPECIFY THE USE OF AUTOMOBILE PARTS NOT MADE BY THE ORIGINAL MANUFACTURER. THESE PARTS ARE REQUIRED TO BE AT LEAST EQUAL IN TERMS OF FIT, QUALITY, PERFORMANCE AND WARRANTY TO THE ORIGINAL MANUFACTURER PARTS THEY REPLACE.
All after market parts installed on a motor vehicle shall be identified on the estimate and invoice for such repair.” 11 NCAC 04 .0427, effective 12/1/2021 |
| OhioAll Ohio rules | In Ohio, whoever writes the estimate, the insurer or you, must clearly identify each non-OEM aftermarket crash part and add a 10-point notice that the parts maker or distributor, not the carmaker, provides the warranty; your customer signs the estimate to acknowledge it. You or the insurer may use salvage parts of like kind and quality from a licensed salvage dealer, and the insurer's estimate must say where that dealer is. In a consumer transaction, a violation is an unfair and deceptive act. If your customer takes an oral estimate or none, the notice must be given then and again with the final invoice. Non-OEM aftermarket crash parts made after October 16, 1990 must carry the maker's name or logo. Under the claims rule, a like kind and quality part means a salvage part equal to or better than the replaced part from a licensed salvage dealer. | Insurer“the insurer, repair facility, or installer providing the estimate shall identify, clearly in the written estimate, each non-OEM aftermarket crash part and shall contain a written notice with the following language in ten-point or larger type:” ORC 1345.81, effective 9/13/2022 Parts standard“Warranties applicable to these aftermarket crash parts are provided by the parts manufacturer or distributor rather than by your own motor vehicle manufacturer.” ORC 1345.81, effective 9/13/2022 Shop“Receipt and approval of the written estimate shall be acknowledged by the signature of the person requesting the repair at the bottom of the written estimate.” ORC 1345.81, effective 9/13/2022 Parts standard“(D) An insurer, repair facility, or installer may use a salvage motor vehicle part in the repair of a motor vehicle, if the salvage motor vehicle part is of a like kind and quality to the part in need of repair and is sourced from a salvage motor vehicle dealer licensed under Chapter 4738. of the Revised Code.” ORC 1345.81, effective 9/13/2022 Insurer“When like kind and quality parts are expected to be used in the repair, the estimate shall clearly indicate the location of the licensed salvage dealer where the like kind and quality parts are to be obtained.” OAC 3901-1-54, effective 2/14/2022 |
| PennsylvaniaAll Pennsylvania rules | Pennsylvania has no rule on whether the insurer can require aftermarket parts. Its rules bind the appraiser, including the insurer's own staff: an appraisal using aftermarket crash parts must say so, identify each one, and state that a part that voids an existing warranty must carry one at least equal to what's left. The appraisal must cover returning the car to its predamaged condition, with safety paramount, especially on brakes, steering and suspension. Anything more is a question for the Insurance Department or a lawyer. These duties bind licensed motor vehicle physical damage appraisers, and an appraisal includes estimates made by the insurer, its employees or agents. Aftermarket crash parts here means non-OEM exterior parts, new or used. The captured Pennsylvania law has no matching parts disclosure rule for repair shops. | Parts standard“Because an appraiser is charged with a high degree of regard for the public safety, the operational safety of the vehicle shall be paramount in considering the specification of new parts. This consideration is vitally important where the parts involved pertain to the drive train, steering gear, suspension units, brake system or tires.” 63 P.S. 861, amended 4/14/2016 InsurerFrom a list that begins: “In addition to the requirements in the act, the appraisal shall contain a written disclosure which includes the following:” “(10) If the appraisal includes aftermarket crash parts, a statement that the appraisal has been prepared based on the use of aftermarket crash parts, and that if the use of an aftermarket crash part voids the existing warranty on the part being replaced or any other part, the aftermarket crash part shall have a warranty equal to or better than the remainder of the existing warranty.” 31 Pa. Code 62.3, effective 10/23/1999 InsurerFrom a list that begins: “In addition to the requirements in the act, the appraisal shall contain a written disclosure which includes the following:” “(11) Identification of all aftermarket crash parts and a definition of aftermarket crash parts consistent with § 62.1 (relating to definitions), if these parts are used.” 31 Pa. Code 62.3, effective 10/23/1999 InsurerFrom a list that begins: “In addition to the requirements in the act, the appraisal shall contain a written disclosure which includes the following:” “(9) The location where the listed parts are available in a condition equivalent to, or better than, the condition of the replaced parts prior to the accident.” 31 Pa. Code 62.3, effective 10/23/1999 Parts standard“(c) An appraisal for the repair of the motor vehicle shall be made in the amount necessary to return the motor vehicle to its predamaged condition.” 31 Pa. Code 62.3, effective 10/23/1999 |
| TennesseeAll Tennessee rules | Tennessee's rules bind the insurer and protect both the insured and third-party claimants. The insurer can't specify non-OEM exterior crash parts without disclosing it: the estimate must identify each part, with a 10-point notice that the parts maker, not the carmaker, provides the warranty. On a current-year or prior-year model, non-OEM crash parts can't be used without your customer's express permission. Violations are enforced under the Unfair Claim Settlement Practices Act. These rules (Chapter 0780-01-59) took effect 7/12/2005 and cover non-mechanical exterior sheet metal or plastic parts, including inner and outer panels. Rule .05 sends enforcement through the Unfair Claim Settlement Practices Act, T.C.A. 56-8-104(8). The codified Tennessee Code is not in this collection. | Insurer“No insurer shall specify directly or indirectly the use of non-OEM aftermarket crash parts in the repair of an insured’s or third party claimant’s motor vehicle without disclosing the intended use of such parts to the insured or third party claimant.” Tenn. Comp. R. & Regs. 0780-01-59-.04, effective 7/12/2005 (PDF) Insurer“In all instances where non-OEM aftermarket crash parts are intended for use by an insurer:
(a) The written estimate shall clearly identify each such part.” Tenn. Comp. R. & Regs. 0780-01-59-.04, effective 7/12/2005 (PDF) Parts standard“This estimate has been prepared based on the use of one or more crash parts supplied by a source other than the manufacturer of your motor vehicle. Warranties applicable to these replacement parts are provided by the parts manufacturer or distributor rather than by the manufacturer of your vehicle.” Tenn. Comp. R. & Regs. 0780-01-59-.04, effective 7/12/2005 (PDF) Insurer“Non-OEM after market crash parts shall not be used on current year model or immediate prior year model motor vehicles without the express permission of the insured or third party claimant.” Tenn. Comp. R. & Regs. 0780-01-59-.04, effective 7/12/2005 (PDF) Parts standard“Any aftermarket crash part specified by an insurer for use in the repair of an insured’s or a third party claimant’s motor vehicle, supplied by a non-original equipment manufacturer for use in this State after the effective date of this regulation shall have affixed thereto or inscribed thereon the logo or name of its manufacturer.” Tenn. Comp. R. & Regs. 0780-01-59-.03, effective 7/12/2005 (PDF) |
| TexasAll Texas rules | In Texas, the insurer can't limit coverage by specifying the brand, type, age, supplier or condition of parts unless commissioner rules allow it, which must require the limit on the policy's face and the insured's written consent at purchase. Its required notice says your customer can choose the parts, but the insurer need only pay a reasonable amount. It can't stop you from telling your customer the parts' source and price. Department guidance calls underpaying for like kind and quality parts an unfair claim practice. The parts rule applies to automobile policies delivered, issued or renewed in Texas; on a third-party liability claim the insurer also can't require a particular brand, type, age, supplier or condition of parts. TDI Bulletin B-0031-10 (August 2, 2010) is Department guidance, not a statute or rule. | InsurerFrom a list that begins: “an insurer may not directly or indirectly limit the insurer's coverage under a policy covering damage to a motor vehicle by:” “(1) specifying the brand, type, kind, age, vendor, supplier, or condition of parts or products that may be used to repair the vehicle; or” Tex. Ins. Code 1952.301, effective 4/1/2007 InsurerFrom a list that begins: “Rules adopted by the commissioner to implement this subchapter must include requirements that:” “(1) any limitation described by Section 1952.301(a) be clearly and prominently displayed on the face of the insurance policy or certificate in lieu of an insurance policy; and
(2) the insured give written consent to a limitation described by Section 1952.301(a) after the insured is notified orally and in writing of the limitation at the time the insurance policy is purchased.” Tex. Ins. Code 1952.307, effective 4/1/2007 Insurer“An insurer may not prohibit a repair person or facility from providing a beneficiary or third-party claimant with information that states:
(1) the description, manufacturer, or source of the parts used; and
(2) the amounts charged to the insurer for the parts and related labor.” Tex. Ins. Code 1952.304, effective 4/1/2007 Insurer“BY LAW, YOU HAVE THE RIGHT TO SELECT WHERE YOUR MOTOR VEHICLE IS REPAIRED AND THE PARTS USED FOR REPAIRS. HOWEVER, AN INSURANCE COMPANY IS NOT REQUIRED TO PAY MORE THAN A REASONABLE AMOUNT FOR SUCH REPAIRS AND PARTS.” 28 TAC 5.501, effective 10/12/2006 Parts standard“It is an unfair claim settlement practice for insurers to pay claimants an amount for the repair of the vehicle, including parts, that is not a reasonable amount for repairing or replacing the property with other of like kind and quality or is not sufficient enough to make the repairs necessary for the manufacturer to honor the vehicle warranty.” TDI Bulletin B-0031-10, issued 8/2/2010 (agency guidance, not a statute or rule) |
| VirginiaAll Virginia rules | Virginia's rule binds the insurer. It can't prepare or use an estimate based on aftermarket exterior sheet metal or plastic parts unless it gives the claimant written notice, on or attached to the estimate, that the parts must be at least equal in like kind and quality in fit, quality and performance to the originals. These sections say nothing about consent, warranty or vehicle age; that's a question for state insurance regulators or a lawyer. The aftermarket rule covers only exterior sheet metal or plastic parts, including inner and outer panels, not made by the original equipment manufacturer. Under 38.2-510 B a violation does not by itself create a cause of action for anyone but the Commission, though other rights to seek redress are kept. The consumer protection section quoted is the version in force today; the publisher prints four dated versions. | Insurer“No insurer shall prepare or use an estimate of the cost of automobile repairs based on the use of an after market part, as defined herein, unless:
The insurer discloses to the claimant in writing either on the estimate or in a separate document attached to the estimate the following information:” Va. Code § 38.2-510, effective 7/1/2026 Parts standard“THIS ESTIMATE HAS BEEN PREPARED BASED ON THE USE OF AUTOMOBILE PARTS NOT MADE BY THE ORIGINAL MANUFACTURER. PARTS USED IN THE REPAIR OF YOUR VEHICLE BY OTHER THAN THE ORIGINAL MANUFACTURER ARE REQUIRED TO BE AT LEAST EQUAL IN LIKE KIND AND QUALITY IN TERMS OF FIT, QUALITY AND PERFORMANCE TO THE ORIGINAL MANUFACTURER PARTS THEY ARE REPLACING.” Va. Code § 38.2-510, effective 7/1/2026 Parts standard“"After market part" as used in this section shall mean an automobile part which is not made by the original equipment manufacturer and which is a sheet metal or plastic part generally constituting the exterior of a motor vehicle, including inner and outer panels.” Va. Code § 38.2-510, effective 7/1/2026 ShopFrom a list that begins: “The following fraudulent acts or practices committed by a supplier in connection with a consumer transaction are hereby declared unlawful:” “Misrepresenting that goods or services are of a particular standard, quality, grade, style, or model;” Va. Code § 59.1-200, effective 10/1/2026 |
| WashingtonAll Washington rules | Washington has no rule on whether the insurer can require aftermarket parts or what it must disclose. The duty is yours: your estimate and invoice must show any aftermarket or non-OEM body parts, and your invoice any rebuilt or used parts; breaking that rule is an unfair act under the Consumer Protection Act. The insurer must write or accept an estimate that restores pre-loss condition; whether that limits aftermarket parts is a question for the Department of Insurance or a lawyer. The estimate and invoice rules cover repair facilities; a written estimate is required on jobs over $100 unless the customer waives it, and only material omissions on an estimate or invoice can be taken to court. The WAC 284-30-390 rule quoted reads the same before and after the October 18, 2026 amendment. | ShopFrom a list that begins: “parts and labor provided by an automotive repair facility shall be clearly and accurately recorded in writing on an invoice and shall include” “a list of all parts supplied, identified by name and part number, if available, part kit description or recognized package or shop supplies, if any, and an indication whether the parts supplied are rebuilt, or used, if applicable or where collision repair is involved, aftermarket body parts or nonoriginal equipment manufacturer body parts, if applicable;” RCW 46.71.015 Shop“a repair facility prior to providing parts or labor shall provide the customer or the customer's designee with a written price estimate of the total cost of the repair, including parts and labor, or where collision repair is involved, aftermarket body parts or nonoriginal equipment manufacturer body parts, if applicable, or offer the following alternatives:” RCW 46.71.025 Parts standard“An "aftermarket body part" or "nonoriginal equipment manufacturer body part" is an exterior body panel or nonstructural body component manufactured by someone other than the original equipment manufacturer and supplied through suppliers other than those in the manufacturer's normal distribution channels.” RCW 46.71.011 Shop“A violation of this chapter is an unfair or deceptive act in trade or commerce and an unfair method of competition for the purpose of applying the Consumer Protection Act, chapter 19.86 RCW.” RCW 46.71.070 InsurerFrom a list that begins: “the following acts or practices of the insurer are hereby defined as unfair methods of competition and unfair or deceptive acts or practices in the business of insurance, specifically applicable to the settlement of motor vehicle claims:” “(4) Failing to prepare or accept an estimate provided by the claimant that will restore the loss vehicle to its condition prior to the loss.” WAC 284-30-390, effective 10/18/2026 |
