People love their cars. For a lot of people, their car is their baby, it’s like their kid. So if something happens, and their car is in an accident and there’s parts that need to be replaced, people want those parts to be the best available. They don’t want aftermarket parts.
Today we’re talking about OEM parts on your insurance policy.
OEM stands for Original Equipment Manufacturer, basically the original parts. Here’s the thing- most of you right now, if you look into your insurance policy, you probably do not have this endorsement, and if something happens to your car, you’re going to get aftermarket parts.
Some companies offer OEM, others don’t offer it at all, but the ones that do offer it, for the most part, you have to add that on as an endorsement to your auto insurance policy. If you don’t do that and something happens, it’s written into the contract that you’re getting aftermarket parts. Here’s the thing. If you’re like me and you don’t care that much about your cars, and you just want a car that gets you from point A to point B, there’s no reason to call and add this endorsement to your policy. Because like I said, if they give you aftermarket parts, they’re going to make sure that they’re like quality. They’re not just going to put junk in there that’s going to break down on you, or that’s going to hurt your car. They’re going to add good like quality parts, but it’s not going to be the original manufacturer parts. So if this is something that’s important to you, you need to call, talk to your insurance company, see if it’s an option to add that endorsement on. If it’s not, call around. Find an insurance company that will offer that to you, so that if something happens to your baby, you can get their original parts and your car is back to normal like it never even happened.