When you read through your Coppell, Texas auto insurance policy provisions, you will come across a clause related to the type of repair parts that will be used when your vehicle needs to be prepared. Most standard car policies that you can buy in Dallas, Fort Worth or the greater DFW area, do not say that all of the parts used to fix your car must be OEM or the exact same manufactured parts when your car came off the assembly line.
Instead, the clause will read something like the parts must be of like and kind quality of that they are functionally equivalent to the old parts. Some insurance companies will pay for the more expensive OEM parts and others will only pay for less-expensive aftermarket parts. You should check your specific policy to see what is allowed when your car needs to be repaired. You can always choose either type of part when getting your car repaired, but you may have to pay extra if you want OEM parts.
You will not void your auto insurance warranty by using an aftermarket part. The manufacturer’s warranty will cover you if the part fails within the warranty period. Every reputable repair shop that accepts payment from a customer’s car insurance company, will also guarantee their work. You should not worry that you will be stuck with an inferior part if it is not an OEM part.
As your independent agent, we represent a wide number of insurance companies who all have slightly different standards about how repairs are done. Most have a large list of approved shops where you can bring your car to get repaired. Both the insurance company and the repair shop stand behind the quality of the work that is done. If you have any questions about whether your policy covers OEM parts, give us a call and an independent agent can answer that question.
