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How do you get OEM parts in an insurance claim?
I have a Mercedes and am worried that if I get in an accident, the insurance company will try to give me aftermarket parts. How do I insure that I can get parts from the manufacturer?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If OEM parts, or original equipment manufacturer parts, are a priority to you, you’ll want to see if your insurance company offers specific coverage for them.
Most standard
auto insurance
policies cover aftermarket parts as they are more readily available and less expensive than OEM parts. That said, if you have OEM coverage on your policy, your insurance should replace any parts with OEM ones instead of aftermarket. The only chance this may not happen is if you have an older or vintage vehicle, since OEM parts may no longer be available.
Before adding OEM coverage, do some research or check with your repair shop. Doing so will give you an idea of OEM parts available for your vehicle.
Should you decide to move forward, get quotes for OEM coverage with your current car insurance company along with at least two other companies.
Request car insurance quotes online
with multiple companies ensures you’re getting the best rate. If you don’t want to do it yourself, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes in seconds and delivers the best deals to your phone in minutes. And the best part–Jerry does this for free.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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