How to get OEM parts from insurance?
Getting original equipment manufacturer (OEM) parts through your auto insurer is possible, but it depends on your policy, the repair shop you use, and local regulations. This guide outlines practical steps, what to check, and how to navigate denials to maximize your chances of receiving OEM components.
In this article, you’ll learn what OEM parts are, how insurance coverage typically works, and concrete steps to pursue OEM parts, including how to verify part authenticity, what to do if an insurer resists, and how state rules may affect your rights. The process can vary by insurer, policy language, vehicle type, and location, so expect some variability from claim to claim.
Understanding OEM parts and insurance basics
OEM parts are produced by the vehicle’s manufacturer or by a supplier to the same specifications. Insurance coverage for OEM parts can differ widely: some policies automatically cover OEM when available, others allow aftermarket parts, and some require your explicit request or authorization. Knowing how your policy defines parts is the first step to a successful OEM-part request.
What counts as OEM or OE-equivalent
OEM parts are typically brand-new parts made to the vehicle’s original specifications. OE-equivalent (OE-approved) parts are aftermarket parts designed to match OEM specs and performance but may come from a different manufacturer. Your insurer or repair shop may classify these differently, so confirm part numbers, source, and warranty before approving installation.
Check your policy and local laws
Before pursuing OEM parts, review the exact wording in your policy, any riders, and the shop’s estimates. Some states have consumer protections or insurance regulations that influence whether OEM parts must be considered or allowed, especially for newer vehicles or specific types of repairs. Understanding these factors helps you set realistic expectations.
State rules vary
Regulations differ by state and can affect the availability and cost of OEM parts, as well as the process for requesting them. To understand your rights, you may consult your state’s department of insurance or a consumer protection agency, and ask your insurer for the exact policy language that governs parts replacement.
Steps to request OEM parts
To pursue OEM parts, you can follow these steps. Having a clear plan helps you advocate for OEM parts without delaying repair.
- Review your policy language on parts, including any riders or endorsements that reference OEM or OE-equivalent parts.
- Decide which components you want OEM parts for, prioritizing safety-critical items (airbags, collision sensors, braking components) and areas where fit and finish matter.
- Submit a written request to your insurer for OEM parts, citing policy language and the OEM part numbers from the shop’s estimate; keep copies of all communications.
- If the insurer resists, request escalation to a supervisor or file a formal dispute with your state insurance department, and consider consulting an attorney if needed.
Following these steps increases your chances of obtaining OEM parts and ensures you have documentation to support your request.
How to verify the shop uses OEM parts
Before approving a repair, use these checks to confirm OEM parts are actually installed.
- Ask for exact OEM part numbers and the original manufacturer to verify authenticity.
- Require that parts are new and unused, not refurbished or aftermarket stamped as OEM; verify packaging and barcodes.
- Check warranty terms for both parts and labor, including coverage duration and what defects or failures are covered.
- Verify proper fit and calibration, especially for advanced driver-assistance systems (ADAS) and safety features.
- Request written documentation or photos of the installed OEM parts and a detailed invoice listing part numbers and sources.
Using these checks helps ensure you actually receive genuine OEM parts and protects your investment in safety and resale value.
What to do if OEM parts are denied
Not every claim will automatically include OEM parts. If your request is denied, take these steps to pursue a favorable outcome.
- Ask the adjuster for a written explanation citing the policy language and the rationale for denial.
- Provide the OEM part numbers, the estimate, and any manufacturer guidelines to support your request.
- Request a formal claim review or escalation to a supervisor; maintain a timeline of communications and decisions.
- Explore alternatives such as OE-equivalent parts, or negotiate cost differences if OEM parts are unavailable or cost-prohibitive.
- If unresolved, contact your state insurance department for guidance or seek legal counsel; you may also consider filing a complaint with regulators.
There are practical avenues to pursue OEM parts, including escalation within the insurer and regulatory channels, especially when safety-critical components are involved.
State laws and consumer rights to OEM parts
State-level rights around OEM parts vary, but awareness can help you advocate effectively. Some jurisdictions require insurers to consider OEM parts when requested by the policyholder; others permit more flexibility with cost considerations and part sources. Always verify with your regulator and read your policy carefully.
- Rights vary by state; some require insurers to consider OEM parts when requested by the policyholder.
- Many states allow consumer choice of repair shop and may include provisions about supplier options and estimates.
- Regulatory guidance is available through the state department of insurance or consumer protection agencies—use these resources to understand your options.
- Look for policy provisions that explicitly mention a “parts choice” or “OEM parts” endorsement or rider.
- Be aware that for older vehicles or certain repairs, OEM-part availability may be limited, which can affect timelines and pricing.
Understanding the local regulatory landscape helps you navigate OEM-part requests with confidence and reduces the chance of unwanted substitutions.
Summary
Securing OEM parts through insurance is feasible when policy language, repair-shop practices, and state regulations align. Start by reviewing your policy, then clearly request OEM parts and insist on documentation from the shop. Verify that the installed parts are genuine OEM and properly calibrated, especially for safety systems. If a denial occurs, follow an approved escalation path and consult regulators if needed. A proactive, informed approach protects safety, warranty coverage, and the vehicle’s value.
