Instead, your mechanic will use original designed parts. OEM parts coverage is an automatic guarantee at some auto insurance companies. Meanwhile, auto insurance with OEM parts coverage can add a few dollars to your policy. See this list of states that require auto repair shops and insurance companies to obtain customer consent to use replacement parts.
After you learn more about the car insurance companies that offer OEM parts coverage, enter your zip code in the free comparison tool above to compare several companies near you. While most car owners may prefer parts produced by the original manufacturer, many standard car insurance policies don't cover them. OEM, which stands for original equipment manufacturer insurance, is an add-on that ensures that your car repairs will be completed with the original parts. If RateForce talks about OEM insurance, it's specifically to make sure that your car receives the original equipment at the time of repair after an accident.
This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. Car insurance generally covers only original parts. Insurance won't pay to replace any custom equipment after an accident. However, some insurance companies have coverage options that focus specifically on OEM parts after a car accident.
Without auto parts insurance, your insurance won't cover anything extra if you file a claim, even if your equipment was damaged in a covered event. If you are thinking of replacing parts of your vehicle due to a repair without the involvement of insurance or vehicle modifications, you will usually have two options: aftermarket parts or OEM (original equipment manufacturer) parts. While CPE coverage is an add-on, personalized auto insurance refers to any custom policy created for the driver's specific needs. Otherwise, you'll have to purchase car insurance from the original equipment manufacturer separately to get coverage for OEM parts.
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