Is Your Auto Insurance Covering Original Equipment Manufacturer Parts?

If you want your car repaired like new, you need to add original equipment manufacturer coverage to your auto insurance.

You’ve purchased your auto insurance policy so that after an accident, your coverage will pick up the tab with repairing your vehicle. You would imagine, then, that your car would come out of the body shop looking like new!

Your auto insurance may not actually be able to deliver on that, though. There are a couple of things you need to consider to make sure you can completely repair your car to its current state after an accident.

First, if you’ve added non-factory parts—like new rims, a custom paint job, or a fancy stereo system—you should know those additions are not automatically covered by your auto insurance policy. In order to cover non-factory additions, you need to add endorsements for them to your policy.

Secondly, if you have a vehicle that’s over two years old and you want it to be repaired with the same parts, you’ll also need an endorsement. After two years, repair shops can buy aftermarket parts for cheaper, and your auto insurance will pay for that cost. They won’t, however, pay the bigger price for parts from your original equipment manufacturer. If you care what replacement parts are used, consider an endorsement for original equipment manufacturer parts.

Is your auto insurance protecting your car so that you could repair it like new after an accident? It may not be! Sit down with an agent who can help with updating your coverage so you can have the comprehensive protection your vehicle deserves. For that kind of service with all of your Texas insurance coverage, contact Mike Leonard Insurance Agency. We’ll use our industry experience and carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance to find you the right policy with the right endorsements.