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Car insurance crash parts, also referred to as cosmetic parts, are the sheet metal components of vehicles; the outside “skin” most frequently damaged in auto accidents, such as fenders, hoods and doors panels. There are two sources for car insurance parts:  auto manufacturers, who sell them under their own names, also known as original equipment manufacturers (OEMs), and generic or aftermarket crash parts suppliers. Before generic parts existed, creating competition in the marketplace, OEMs were able to sell their parts at much higher prices than they can today. The introduction of aftermarket parts forced down the price of OEM parts by an average of 30 percent. The Property Casualty Insurers Association of America found that non-OEM parts save about $2.8 billion in insurance costs every year.



In the continuing debate about whether generic parts are as good as parts from OEMs, the issue of safety is in the forefront. Critics claim that using parts from sources other than OEMs could compromise safety. However, the Insurance Institute for Highway Safety (IIHS) says that with the possible exception of hoods, there are no safety implications of using cosmetic crash parts from any source. This has been demonstrated by crash tests conducted at the IIHS. In addition, an independent, third-party nonprofit organization, Certified Automotive Parts Association (CAPA), rigorously inspects generic automotive parts and guarantees the quality of those that meet its high standards. Generic crash parts do not interfere with a vehicle's existing warranty and are often manufactured by the same supplier and in the same manner as OEM parts.

Prior to 1970, auto body repair shops could only buy replacement parts like fenders, door panels and grilles from auto manufacturers. Original equipment manufacturers (OEMs) had virtually no competition in this market, a monopoly they had fought to preserve. When independent manufacturers in several countries, including the United States, began making sheet metal replacement parts, OEMs found themselves facing tough competition.

By the early 1980s independent suppliers were making crash parts to fit vehicles made by all auto manufacturers. The economic impact of aftermarket crash parts is significant. Not only are most of the independently made parts less expensive, but their existence has forced the car companies to lower the prices of their parts. Whenever there is an equivalent aftermarket crash part, OEM prices have been forced down by 30 percent or more. This has helped keep the rate of increase in auto repair prices in check, which in turn, has stabilized auto insurance premiums.

Certified Automobile Parts Association (CAPA) was established in 1987 through the efforts of the Auto Body Parts Association (ABPA). The CAPA Certification Program is a multistep program. It includes a detailed review and inspection of a participant’s factory and manufacturing processes, followed by an analysis conducted by an independent testing laboratory. Should the participant meet all production and quality requirements, samples of the parts that will bear the CAPA certification label are submitted for testing to ensure that the material and physical integrity of the part is satisfactory.  Certification is granted by a technical committee composed of collision repairers, manufacturers, distributors, insurers and quality consultants. 

The factory and parts continue to be subject to random inspection by CAPA to ensure that quality standards continue to be met. Users of parts bearing the CAPA Quality Seal are encouraged to file complaints should they find that a part does not live up to expectations. CAPA reserves the right to decertify parts that are found to no longer comply with CAPA quality standards. Today over 7,400 part types have achieved CAPA certification.

In 2000, the Insurance Institute for Highway Safety reaffirmed that the source of a car’s cosmetic crash parts is irrelevant to crashworthiness. Using a 1997 Toyota Camry, OEM cosmetic parts were removed and the hood replaced with a CAPA-certified hood from an aftermarket supplier. The crash test results from a 40-mph frontal offset impact were compared with results from an identical crash test performed on an identical Camry with the OEM parts still intact. Both Camrys performed with distinction and earned good crashworthiness ratings according to the Institute’s evaluation procedures. CAPA-certified parts have been proven to perform identically to car company brand parts in every significant aspect. CAPA uses the term “functionally equivalent” to describe how its parts rank in relation to the OEM cosmetic parts it replaces, a much stronger term than “of like kind and quality,” the term used in state and local laws and regulations to describe the standard for replacement parts used in the repair of automobiles.

Consumer Protections: In response to collision repairer concerns about tracing problem parts, consumers and auto repairers can use CAPA TRACKER, a free, web-based program that connects the CAPA seal number to the exact vehicle on which it was installed. In the event of a part recall, CAPA could quickly notify every shop that installed one of the parts in question. The shop could then alert their customers and take any necessary action. The TRACKER program will also enable insurers to better monitor the actual use of CAPA certified parts and to trace those parts. Continued  (printed with permission of iii.org)
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Car Insurance Crash Parts

Sources of Parts

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