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Auto insurance policies issued or renewed on or after October 1, 2026 would come with a new written notice, under this bill, informing policyholders that their insurer may authorize the use of aftermarket crash parts (replacement body parts not made by the vehicle's original manufacturer) when repairing a covered vehicle after an accident; this notice would be for information only and would not change what the policy actually covers. When an insurer does authorize or specify a non-original-manufacturer part for a repair, the written repair estimate would have to clearly flag each such part and include a disclosure stating that the parts must match the fit, quality, and performance of original parts, and that their warranties come from the parts manufacturer rather than the vehicle manufacturer. The bill also defines a new term, "OEM aftermarket crash part," to distinguish parts made for or by the vehicle's original manufacturer from other aftermarket parts, and removes a current requirement that repair shops and installers separately notify customers in writing before installing non-original parts. Finally, the bill specifies that the Insurance Department and its commissioner are not required to enforce the new estimate-disclosure rule.