Companies like Geico, State Farm and Allstate don't offer auto insurance with OEM coverage, but that doesn't mean you're left with replacement parts. Instead, these companies allow customers to choose between replacement and OEM parts. If you choose OEM parts, you'll have to pay the difference. Effective immediately, the GEICO policy is for OEMs only for bumper reinforcements and related safety parts.
Geico is one of the companies with a separate and single policy for OEM parts. The company claims that it will cover up to 80% of the cost of OEM parts needed to repair your car after an accident. However, as the policyholder, you must pay the difference. If you want to learn more about the company, check out our Geico car insurance review.
While several auto insurance companies may offer OEM parts coverage as an add-on, these are the best auto insurance companies that don't force you to use reconditioned parts. To avoid this, you should know all the types of parts, if your insurance covers OEM parts and which are the best car insurance companies that don't force you to use reconditioned parts. When you take your car to the body shop to have it repaired after an accident, you should ask your auto insurance company for fair compensation for repairs and replacement.