What Is OEM Coverage and Why Is It Important?
When you take your car into the shop after an auto accident, you’ve probably got a lot on your mind. With your car out of commission for a number of days, auto collisions can be challenging enough. By selecting the right insurance company to cover your vehicle, you can find Original Equipment Manufacturers (OEM) coverage that does what it can to repair your car with original parts when they’re available.
You may have questions about the parts and materials the body shop will use to restore your car. And one big question you need to have answered is whether or not your repair shop will use OEM parts and components.
Here’s the good news: at American Family Insurance, OEM coverage is available when original factory parts are a priority for you. OEM insurance coverage is added protection that helps to ensure that your car will be rebuilt with original factory equipment when possible. With it, you’ll have the coverage you need to get your vehicle repaired according to your needs.
There’s a lot to learn about additional OEM insurance for your car. Let’s walk through why added OEM auto coverage makes sense.
Does Insurance Cover OEM Auto Parts?
Getting your coverage right before you sign with an auto insurance provider is key. Most base auto policies don’t specifically require auto repairs to use ODM parts.
When it comes to what parts will be used to replace broken components of your car, additional OEM coverage can help you feel better about repairs being made during a covered loss. Quality parts — designed and assembled by your car’s manufacturer — help to ensure it’s being rebuilt according to your requirements.
You're best to purchase OEM coverage separately because additional protection like this may or may not be included in your auto policy. Getting OEM parts installed can depend on a number of factors:
- OEM coverage is only available for vehicles that are under seven years old.
- Your repair shop can elect to use OEM parts, but without this coverage they can use other aftermarket products as well.
- Repair shops may defer to using OEM parts when aftermarket options aren’t available — but with this coverage, OEM products will be used whenever possible.
What's the Difference Between OEM Parts & Aftermarket Parts?
OEM parts are a great idea because they’re made by your car’s manufacturer. As such, they’re designed to operate specifically for your car. If you prefer to have original manufacturer parts and products used when repairs are made, this coverage can require mechanics to install OEM parts whenever possible.
Here’s more good news: opting for OEM vs. aftermarket parts may even help to retain your car’s resale value . This is because used car buyers like to know that when a vehicle was repaired, original parts were used to restore the vehicle. With this protection, used car buyers may be glad that you went that extra mile.