Are OEM parts covered in repairs?

Coverage for original manufacturer parts may require specific endorsement.

When it comes to repairing your powersport vehicle, like an ATV or a motorcycle, you might prefer using Original Equipment Manufacturer (OEM) parts because they are made specifically for your vehicle's make and model. However, whether these OEM parts are covered in repairs usually depends on your insurance policy. Some policies may cover them as standard, while others might require an additional endorsement or rider to ensure these parts are included. This is because OEM parts can be more expensive than aftermarket alternatives, which insurance companies often prefer to use to keep costs down. Therefore, it's crucial to review your policy details or speak directly with your insurance provider to understand your coverage.

Imagine you've been in an accident with your dirt bike. After filing a claim, your insurer proposes using aftermarket parts for repairs. However, you prefer OEM parts because they maintain your bike's integrity and performance. Upon reviewing your policy, you discover that OEM parts aren't covered unless you have a specific endorsement. You then contact your agent to add this endorsement, ensuring future repairs meet your preferences.

If you value having OEM parts for your vehicle repairs, it's wise to check your insurance policy to see if they're covered. Contact your insurance agent to discuss adding an endorsement for OEM parts if it's not already included. This can give you peace of mind knowing your vehicle will be repaired with parts that maintain its original quality and performance. Always keep your policy updated with such preferences to avoid surprises when you need it most.