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!