Auto Insurance
OEM Parts
Original Equipment Manufacturer parts — factory-made components used in covered vehicle repairs.
Last reviewed: May 2026 · Editorial methodology
Definition
OEM (Original Equipment Manufacturer) parts are replacement components made by the vehicle's original manufacturer, identical to the parts installed during production. When your car is repaired after a claim, most standard policies allow insurers to use aftermarket, used, or reconditioned parts rather than OEM, which can reduce repair quality and residual value. OEM endorsements — available from carriers like USAA and Chubb — require the insurer to use OEM parts on newer vehicles (typically within the first three to five model years). Expect to pay $30–$75 per year extra for OEM coverage. On vehicles under warranty, OEM repairs help preserve manufacturer warranty terms.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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