If you’re in an auto accident and have damage that needs to be repaired or a part that needs to be replaced, you may assume that the repairs will be done with parts straight from the manufacturer, but if you’re filing an insurance claim then this may not be the case.
Original Equipment Manufacturer (OEM) parts come from the manufacturer, whereas aftermarket parts can be made by other reputable companies. Some people prefer OEM parts over aftermarket parts because they like the peace of mind getting the parts from the manufacturer. However, many insurance companies don’t cover the cost of OEM parts when you file a claim, they prefer to go with less expensive aftermarket parts.
If you’re set on OEM parts, here are a few ways to try get them covered by your insurance claim.
Request OEM Parts in Advance
If OEM parts are non-negotiable to you, you will need to look for a car insurance carrier that covers OEM parts. Some insurance companies do not even offer this as an option. If OEM parts are important to you, make it one of the first questions when you shop for insurance.
Even if an insurance carrier offers coverage for OEM parts, they are probably not automatic on a standard policy. You will need to request the coverage and will most likely pay an additional fee to include it in your coverage.
Not All Parts Can Be Replaced With OEM Parts
Older vehicles or discontinued models may not have OEM parts available. Aftermarket and used parts are sometimes the only options for a repair. Check with our CARSTAR technicians when you first bring your car in for service to see if OEM parts are available for your repair.
What If My Insurance Carrier Does Not Cover OEM Parts?
Sometimes OEM parts will not be covered by insurance but that does not mean you have to go with aftermarket parts. If OEM is important to you, you can pay the difference between the price of the two. Your insurance will cover the cost of the aftermarket parts and you can tell us that you want OEM parts. You will be responsible for covering the difference of the cost between two.
Why Don’t Insurance Carriers Always Use OEM Parts?
It is important to remember that insurance carriers use aftermarket parts to help keep insurance rates affordable for everyone. If insurance companies only covered OEM parts and body shops used them all the time, car insurance would costs would skyrocket.
After an accident insurance carriers are supposed to do what they can to get your car back to its original condition. Most drivers can not tell the difference between an aftermarket part and an OEM part. If you prefer OEM, plan on paying a little bit more for the coverage. Speak with a reputable insurance agent to find out how much it will cost you, to help determine if the cost is worth the coverage.