will only pay for aftermarket parts as they are known to be of the same quality as an OEM part.
OEM stands for original equipment manufacturer. If you opt for this coverage on your car insurance policy, your insurance company will pay to replace your vehicle with OEM parts instead of aftermarket.
If you have a specialty or modified vehicle, it may matter more to you that you have original equipment manufacturer (OEM) parts, but most vehicle owners won’t notice the difference.
Should you want to add OEM coverage in the future, go to
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