Central OH   Southeastern OH
Northwestern OH
☰ ˟
Logo
Central OH: 614-475-3583 Southwestern OH: 937-382-7933 Northwestern OH: 419-960-5900
  • Main Menu
  • Get a Quote
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • FarmImage of right arrow
      • Farm Insurance Home
      • Farm Quote Request
    • Financial ServicesImage of right arrow
      • Financial Services Insurance Home
      • Wealth Management Solutions
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
    • LifeImage of right arrow
      • Life Insurance Home
      • Life Insurance Quote
      • Long Term Care Insurance Quote
    • Pet InsuranceImage of right arrow
      • Pet Insurance Insurance Home
      • Pet Insurance Quote Request
    • Recreational VehicleImage of right arrow
      • Recreational Vehicle Insurance Home
      • Recreational Vehicle Insurance Quote
    • Specialty AutomobileImage of right arrow
      • Specialty Automobile Insurance Home
      • Classic Cars Insurance Request
    • UmbrellaImage of right arrow
      • Umbrella Insurance Home
      • Umbrella Insurance Quote Request
    • Watercraft & BoatImage of right arrow
      • Watercraft & Boat Insurance Home
      • Watercraft Insurance Quote
  • Aflac Products
    • Aflac - Cancer Plan
    • Aflac - Accident Plan
    • Aflac - Critical Illness Plan
  • Blog
  • Resources
    • Important Links
    • Important Files
    • Insurance Glossary
  • About
    • About Us
    • Why Choose an Independent Agent?
    • Location(s)
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join our Newsletter
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life & Long Term Care

We browse through a wide variety of coverages and find the right one for you.

Learn More
Toy Vehicles Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Understanding OEM Auto Insurance
MONDAY, MARCH 22, 2021

Understanding OEM Auto Insurance

man looking in hood of car at sunsetIf your car ever sustains damage, then it’s only natural to want high-quality repairs made. You don’t want any parts or materials to be used in the repair process that might negatively impact the safety or performance of the vehicle. As special type of auto insurance benefit called original equipment manufacturer (OEM) coverage will make that wish a guarantee. 

OEM coverage ensures that aftermarket parts won’t be used when making repairs to your vehicle. It ensures that your vehicle will be fixed only with products that are designed for it. That way, not only will the car perform optimally, but you also won’t have to worry about aftermarket parts dragging down the resale value of your vehicle. 

What is OEM Coverage? 
Sometimes, when you have vehicle repairs made, your mechanic might opt to use aftermarket parts throughout the process. Aftermarket parts are those that are not made by the vehicle’s manufacturer. In effect, they are what you might think of as generic parts that will work on most vehicles.  

However, when you want to keep your vehicle in prime working order, you might find that aftermarket parts simply don’t provide a high quality of performance. Therefore, if you want to ensure that original manufacturer parts are used when making repairs (and that your insurance will pay for them) then you will need to add the OEM endorsement to your plan. 

Though your auto insurance will cover repairs to your vehicle if you have the right coverage, most plans don’t mandate that a repair service use OEM parts in these repairs. However, by including an OEM endorsement on your policy, you mandate that repairs must be made using original parts. Therefore, your insurer is bound to pay appropriately for the cost of using those particular parts. All in all, this helps ensure that you have repairs made using the highest-quality materials. 

Are There Limitations on Coverage? 
Most major insurers offer OEM endorsements for auto policies, but drivers usually must meet certain qualifications before they can buy the coverage. These include: 

  • Usually, only newer vehicles can qualify for coverage. It might only remain a part of your policy until the vehicle is five years old, for example. 

  • Because your mechanic cannot use aftermarket parts in making repairs, this might slow the overall repair process as the mechanic waits for the right parts. 

  • Though repair services cannot use aftermarket parts, they can sometimes opt for used OEM parts if there are no new parts available.

 

Please note, to qualify for this coverage, you must have physical damage insurance (collision & comprehensive coverage) on your policy. These are the benefits that require your insurer to pay for damage to your vehicle in the first place, so you must have them before you can add the OEM endorsement into the plan. 

 

Posted 4:48 PM

Tags: original equipment manufacturer coverage, auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(16)
  • coverage(10)
  • policy(6)
  • business(4)
  • bop(3)
  • care(2)
  • long(2)
  • accident(2)
  • health(2)
  • owners(2)
  • pet(2)
  • term(2)
  • life(2)
  • car(2)
  • home insurance(2)
  • retirement(2)
  • business insurance(2)
  • commercial(2)
  • deductible(2)
  • auto(2)
  • weather(1)
  • florida homeowners(1)
  • auto insurance(1)
  • health insurance(1)
  • long term care insurance(1)
  • watercraft(1)
  • life insurance(1)
  • recreational(1)
  • liability insurance(1)
  • whole(1)
  • rv(1)
  • terms(1)
  • ranch(1)
  • sewer backup coverage(1)
  • personal(1)
  • cyber liability insurance(1)
  • umbrella(1)
  • boat(1)
  • farm(1)
  • business owners policy(1)
  • agriculture(1)
  • general insurance(1)
  • winter(1)
  • cyber security(1)
  • benefits(1)
  • small(1)
  • planning(1)
  • commercial insurance(1)
  • original equipment manufacturer coverage(1)
  • vehicle(1)

View Mobile Version

Contact Us Today!

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

104 Mill St., Suite F
Gahanna, OH 43230

P: 614-475-3583 | F: 614-522-6242 | E:john@slymaninsurancegroup.com
Licensed in Ohio, Tennessee, Florida, North Carolina & South Carolina.
© Copyright. All rights reserved. | Powered by Insurance Website Builder