OEM Endorsement Coverage

OEM Endorsement Coverage, or Original Equipment Manufacturer Endorsement Coverage, is an insurance policy add-on that provides coverage for the replacement of damaged parts with original equipment manufacturer (OEM) parts. OEM parts are specifically made by the manufacturer for a particular make and model of vehicle. This type of coverage is typically offered for newer vehicles, usually within the first few years of ownership, and is beneficial to those who prefer to have their vehicles repaired with OEM parts rather than aftermarket parts. While aftermarket parts may be less expensive, they are not always made to the same specifications as the original parts and may not fit or function as well. With OEM Endorsement Coverage, if a covered part on your vehicle is damaged and needs to be replaced, the insurance company will cover the cost of replacing the damaged part with an OEM part, rather than an aftermarket one. This can help ensure that the repaired vehicle retains its value and originality. It is important to note that OEM Endorsement Coverage is typically an optional add-on and may come with an additional cost. However, for those who highly value their vehicle and want to maintain its originality and performance, this type of coverage can provide peace of mind and assurance that their vehicle will be repaired using high-quality, manufacturer-approved parts.