Monterey Collision & Auto Repair

Robert's Collision & Repair(831) 373-1535
Mon - Fri: 7:30 AM - 5:30 PM

What is OEM insurance?

What is OEM insurance?


When shopping for an auto insurance policy, it is essential to ask yourself if OEM (Original Equipment Manufacturer) parts are non-negotiable. If you feel strongly about having your car repaired with OEM parts, then it will be necessary for you to shop for OEM insurance.


OEM insurance is additional coverage on your car that is an add on to your insurance policy. It ensures that OEM parts will be used to repair your vehicle rather than aftermarket parts. You then have a guarantee that your car is restored to factory specifications with parts specifically made and engineered by your auto manufacturer for your specific vehicle. Each part has been through a rigorous safety and quality-check process by your vehicle's manufacturer.


If you have been in a car accident, be sure to request OEM parts in advance. If your insurance policy does not cover OEM parts and using them for your vehicle repair is essential to you, Robert's CARSTAR Collision and repair will work with you. Options such as covering the difference out-of-pocket between the aftermarket part prices your insurance is willing to pay and the factory's rates are available if you determine that OEM parts are important.


What are alternative parts? They are often used parts, which are removed from a car that has been in an accident; aftermarket parts (also called alternative parts) are new parts made in an alternative factory. These can be second-rate, which can potentially impact the integrity or looks of your car.


Why are aftermarket parts commonly used? Insurance carriers try to keep rates affordable for everyone. By using certified aftermarket parts, automotive repair costs are more competitive. Insurance rates would cost a lot more if they only covered OEM parts.


Not all insurance carriers offer OEM supplemental insurance. When shopping for auto insurance, be sure to ask your agent questions about OEM insurance before deciding on a carrier if OEM parts are a non-negotiable item for you. Most OEM policies come at an additional fee within your auto policy; it is not part of a standard auto insurance policy. Remember, with older vehicles it can be impossible to get OEM parts, in which case, aftermarket parts may be your only option for repairs.


If you have been in a collision and are looking for help navigating your insurance policy, bring it into CARSTAR Robert's Auto Repair. Our skilled technicians will make sure you have the best possible parts for your repair. We are here for all of your auto repair and maintenance services, auto body repair, tire needs, or full auto detailing. We strive to be your one-stop auto shop, and we work hard to provide you with an outstanding customer service experience! Make your appointment today! We're located at 234 Ramona Ave, Monterey, CA. 93940. We look forward to your visit!


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