Month: September 2019

Many clients who come to us prefer to use OEM (original equipment manufacturer) parts in their repairs, but there’s often confusion about whether they’re covered by insurance. The answer isn’t 100% straightforward and is dependent on your insurance carrier and policy.

Most insurance policies don’t cover the cost of OEM parts, unfortunately. However, that doesn’t mean that you can’t request them when you come in for auto body repair. You’ll most likely have to pay for the cost difference between them and the cost of the aftermarket parts. The cost of OEM parts can be more than that of aftermarket parts, so it’s important to make sure that you budget accordingly.

What If My Insurer Offers Coverage?

If your insurer does cover OEM parts, they may not be automatically included in a standard policy; you’ll most likely need to request the coverage and pay extra for it.

While there’s nothing wrong with aftermarket parts, OEM parts tend to fit better, and you’ll have peace of mind knowing that your vehicle has replacement parts that were made specifically for it.

The bottom line is, you have the right to request the parts you want. We know dealing with insurance is never fun, but we make it easy with our complete insurance coordination. Just let our friendly staff know what type of parts you’d like, and we’ll handle the rest!

Getting into an accident and needing extensive body work done is never fun – especially because it means you’ll be without transportation for a while. While you could rely on public transportation, a rental car is a more convenient way to stay mobile while your vehicle is in the shop.

A common question many people have is whether a rental car is covered by their insurance. If you weren’t at fault for the accident, it’s generally relatively easy to have the at-fault insurance company cover the cost of a rental car that is comparable to the vehicle that was in the accident. If you were the one at fault, or the at-fault insurance company is putting off making a decision on reimbursement, then it’s time to turn to your own insurance policy.

Knowing Your Policy

With most insurance policies, a rental car isn’t automatically included. Generally, you will have to add on or look for a policy that includes a rental reimbursement, which is available from most insurance carriers and tends to be relatively inexpensive. We recommend taking a look at your policy before you need to use it to make sure that it has the coverage you’ll need.

We understand that navigating the ins and outs of insurance can be confusing, but our complete insurance coordination makes it easy! Let us know that you’ll need a rental car, and our customer service staff will handle all the details and make sure you have reliable transportation while we restore your vehicle back to its pre-accident condition.