AI-generated summary. We recommend consulting the bill text for important decisions.

Starting with auto insurance policies issued on or after October 1, 2026, this bill requires insurers to notify policyholders in writing — at the time a policy is issued and at each renewal — that the insurer may use aftermarket crash parts (exterior body parts not made by the vehicle's original manufacturer) when repairing a covered vehicle, and specifies that when such parts are actually authorized, the written repair estimate must clearly identify each non-OEM part and include a disclosure explaining that those parts are required to meet the same standards of fit, quality, and performance as original parts and carry warranties from the parts manufacturer rather than the vehicle manufacturer. Notably, the bill also removes an existing requirement for repair facilities and installers to give consumers written notice before installing non-OEM parts, and explicitly states that the Insurance Department and its commissioner are not required to enforce the new estimate disclosure rules.