An average American may not understand what exactly OEM stands for. However, this is a commonly used acronym among car specialists! OEM stands for original equipment from manufacturer. These are the parts of your car that come straight from the manufacturer. If you are involved in an accident and need to replace parts on your vehicle, you would want to speak with your dealer and make sure the parts you buy are OEM. However, your Texas insurance agency may have a few conditions to follow for that to happen.
If you want repairs to be covered by your insurance, you may not always get OEM parts for your vehicle. However, some companies will look into OEM parts, but it will usually come with higher premiums. Obviously, OEM parts are more expensive than aftermarket parts. This expense will be worked into your insurance costs.
If you are concerned with your auto insurance policy and their rule on OEM parts, it is time to speak with them. As your Texas insurance agency, we want to make sure you feel comfortable with your policy and know exactly what you are paying for. Your satisfaction is important to our founder Nathan Dagley and the rest of us Dagley Insurance and Financial Services. After all, this is your insurance policy- you should have the final say!