More than likely your car insurance policy is not going to pay for more expensive original equipment manufacturer (OEM) parts if aftermarket parts are available. However, they will let you pay the difference for these more expensive parts if you choose.
Well, what if you want your insurance to cover the factory OEM parts? No one can blame you for this. After all it is what was on the car originally. Your best bet to avoid having any issues with your insurance carrier not paying for these OEM parts is to have the “Special Physical damage Coverage” endorsement added onto each vehicle. This optional endorsement will provide damage estimates for “your covered auto” based on available new parts from the original equipment manufacturer.
How much is this endorsement going to cost? It all depends on the vehicle but on average it will be about $3-10 more a month.
For more details, contact one of our insurance advisors, firstname.lastname@example.org