When it comes to protecting your vehicle, auto insurance is a crucial safety net. But did you know that not all policies are created equal when it comes to repairs? One key option that can make a significant difference is an OEM endorsement. At Solon Collision, we’re here to explain what this coverage is, how it works, and why it’s worth considering for your policy.
What Is an OEM Endorsement?
An OEM endorsement (Original Equipment Manufacturer endorsement) is an add-on to your auto insurance policy that ensures your vehicle will be repaired using only OEM parts instead of aftermarket or used parts.
This coverage guarantees that:
Repairs are performed with parts made by your vehicle’s manufacturer.
Your car maintains its original safety, performance, and aesthetic standards.
Your vehicle’s value isn’t diminished by subpar or non-matching replacement parts.
Why Do Insurance Companies Use Aftermarket Parts?
Many standard auto insurance policies cover repairs with aftermarket or recycled parts to save costs. While some aftermarket parts may be adequate, they often lack the quality, durability, and precise fit of OEM parts.
Using non-OEM parts can lead to:
Reduced Safety: Subpar materials may not perform as expected in a collision.
Poor Fit and Finish: Mismatched parts can cause alignment issues or noticeable cosmetic flaws.
Lower Resale Value: Aftermarket parts can diminish your car’s market value.
By adding an OEM endorsement, you can avoid these potential pitfalls and ensure your vehicle is repaired to factory standards.
How Does an OEM Endorsement Work?
When you have an OEM endorsement on your auto policy, your insurance company is obligated to cover the cost of OEM parts for repairs after an accident.
Key things to know:
It’s an Add-On: Most insurers offer OEM endorsements as an optional policy upgrade.
Costs More: While this endorsement increases your premium slightly, the benefits often outweigh the cost.
May Have Conditions: Some insurers limit OEM coverage to newer vehicles or require that repairs be performed at certified repair shops, like Solon Collision.
Who Should Consider an OEM Endorsement?
An OEM endorsement is a smart investment for:
Owners of New or High-Value Vehicles: Protect your car’s value and integrity by ensuring repairs meet the highest standards.
Drivers with Advanced Technology: Vehicles equipped with safety features like ADAS (Advanced Driver Assistance Systems) often require OEM parts for proper calibration and functionality.
Long-Term Owners: If you plan to keep your vehicle for years, OEM parts help maintain its reliability and longevity.
How Solon Collision Supports OEM-Endorsed Repairs
At Solon Collision, we understand the importance of maintaining your vehicle’s safety and performance. That’s why we:
Work with insurance companies to ensure your OEM endorsement is honored.
Use OEM parts whenever possible, even if your policy doesn’t include an endorsement.
Follow manufacturer-approved repair procedures to restore your car to factory standards.
We believe your vehicle deserves the best—nothing less.
Why OEM Endorsements and Repairs Matter
When it comes to your safety and your car’s value, cutting corners isn’t an option. An OEM endorsement on your auto policy is a simple way to ensure your vehicle is repaired the right way after an accident. At Solon Collision, we specialize in OEM-compliant repairs to give you peace of mind on the road.
Have questions about OEM endorsements or need help navigating the insurance process?
Contact us today for expert advice and a free estimate. Let us show you why we’re the trusted name in collision repair!
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