Some insurance companies cover OEM parts, but it's not a standard practice across the industry.
Geico, for example, covers OEM parts for certain vehicles, but you'll need to check your policy to confirm.
USAA, on the other hand, has a policy of covering OEM parts for all vehicles, regardless of make or model.
If you're unsure which insurance company covers OEM parts, you can start by researching the company's policy on their website or by contacting their customer service department.
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Insurance Coverage for OEM Parts
Standard auto insurance policies typically don't cover new OEM auto parts, and instead opt for aftermarket products to save money on claims.
Some companies use misleading terms like "best original parts designed and manufactured to work with your vehicle" to make it seem like they're using OEMs, but in reality, they're using aftermarket products. Be sure to clear this up with your company before paying for your policy.
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If you want OEM coverage, not all insurance companies offer it, including some leading and popular companies. GEICO, Chubb, and Nationwide are among the top insurance companies in the US that do offer OEM coverage.
GEICO requires drivers to pay the difference in cost for adding OEM parts, while Chubb has a fixed policy to pay for OEM parts. Nationwide provides OEM parts if the driver agrees to pay.
To find out if your existing company offers OEM coverage, ask them first. Some popular insurance companies in the US and their status for providing OEM coverage are listed below:
Without an OEM endorsement, you won't get the original equipment that was previously installed in your car, which can lead to stress and potential breakdowns.
List of Top OEM Insurance Providers
If you're looking for insurance companies that cover OEM parts, there are several options to consider. GEICO is one of the top providers, offering OEM coverage as part of their policies. The driver is required to pay for the difference in cost, but it's a great option for those who want to ensure they receive genuine parts.
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Chubb is another top provider, with a fixed policy to pay for OEM parts always. This means that you can rest assured that you'll receive the original equipment manufacturer parts you need, without any additional costs.
AIG and Amica occasionally offer OEM coverage, but it's not always available. If you're interested in purchasing OEM coverage from these companies, be sure to ask about their policies and requirements.
Here's a list of top OEM insurance providers:
Understanding OEM Endorsement Requirements
If you have a car with original equipment, you'll want to know about OEM endorsement requirements. Without an OEM endorsement, you won't get the original equipment that was previously installed in your car.
Standard auto insurance policies don't cover new OEM auto parts, opting instead for aftermarket products to save money on claims. This is where OEM's additional coverage comes into play.
To get OEM parts, you'll need to add an OEM endorsement to your existing policy. This guarantee ensures that you'll get the original equipment your car needs.
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Adding an OEM endorsement provides several benefits, including:
- Guarantee to add OEM parts whenever your car needs
- No stress of breaking down the car because of pseudo parts that are not genuine as per the performance and quality of your car.
- The technicians will be bound to get the parts of your car even if it is required to import from outside the state or country
- You will get parts as per the make, year, and model of your car and not any other similar-looking or twin part.
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