Insurance companies can issue repair estimates that include OEM parts based on the make, model and year of the vehicle and the type of repairs needed. However, you generally need to have specific OEM parts coverage in your auto policy so that your insurer fully covers the exclusive use of OEM parts for repairs. OEM parts coverage is typically available for motorcycles, but many insurers don't offer OEM coverage for cars. At Progressive, OEM parts coverage is offered for motorcycles, but not for cars.
If you are thinking of replacing parts of your vehicle due to a repair without the involvement of insurance or vehicle modifications, you will usually have two options: aftermarket parts or OEM (original equipment manufacturer) parts. If you modify your vehicle to improve its performance or improve its appearance, you'll usually need a coverage endorsement or a customized, independent auto insurance policy. Whether you're navigating the congested highways of downtown Phoenix or taking a leisurely stroll through the stunning Grand Canyon, make sure you have the right car insurance in Arizona. Generally, your car insurance policy won't pay to repair or replace a flat tire, unless it's the result of an accident.
Progressive is also reducing insurance for these cars in some markets, spokesman Jeff Sibel said in an emailed statement. Because these parts or features aren't usually fully covered by a standard auto policy, you may need to add an endorsement to your auto policy or purchase a customized auto insurance policy. Some insurance companies don't offer insurance for modified cars if they meet certain criteria, such as if engine performance improves significantly or if custom paint or decal jobs significantly increase the total value of the vehicle. Michael Barry, a spokesperson for the Insurance Information Institute, said it was very unusual for auto insurers to simply stop issuing new policies for a particular make or model of vehicle.
Save money while protecting your most valuable assets by combining your Arizona auto and home insurance. If you're thinking about adding new parts to your car, it's critical that you inform your car insurance company beforehand. If you have comprehensive auto and collision insurance coverage, you'll usually be covered for tire damage if it's the result of an accident or something unexpected, such as theft or vandalism. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
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