What is Original Parts Replacement?


Also known as Original Equipment Manufacturer (OEM) Coverage


What is Original Parts Replacement?

Original Parts Replacement, also known as Original Equipment Manufacturer (OEM) Coverage, is an optional car insurance coverage that can help make sure covered repairs to your vehicle use the same parts your vehicle was built with. This means the parts used to make the repairs are built by the same company that built your car (when available). This could be anything from a headlight to an engine.

Also known as PIP, this coverage helps pay for injury-related expenses from an accident
mechanic in a clean, well-organized auto repair shop, working on a partially disassembled modern car.

How much does Bodily Injury Liability insurance cost?

PIP covers you (the policyholder) and your passengers for several expenses related to your auto accident and recovery.
PIP coverage is not just for drivers. It extends its protection to you as a passenger in another person’s car or if you’re struck by a vehicle as a pedestrian or while bicycling.

The specific expenses covered by Personal Injury Protection vary depending on your insurance company, the state you live in, and your policy limits.


Rehabilitation costs.

This includes physical and occupational therapy as part of your recovery.


Childcare expenses

PIP can help with childcare costs if your injuries make it impossible for you to provide proper care for your children.


Lost Income

In some cases, claims may involve payment when there is emotional stress or prolonged pain from an accident.


Nursing care

If you need medical assistance while recovering from your injuries at home, PIP can help with the cost


Funeral Expenses

This includes burials and cremations.

What’s the difference between OEM and aftermarket parts?

The difference between OEM and aftermarket parts is who makes them.

  • Original Equipment Manufacturer: These parts are designed and built by the original company that built the vehicle and can be more expensive.
  • Aftermarket parts: These parts are built by other companies and can be less expensive.

Now, price is only part of the equation. Plenty of companies make aftermarket parts of similar quality.

What cars can get OEM insurance?

Some insurance companies don’t offer OEM insurance, so you should check with your company to see if that’s the case.

In general, Liberty Mutual can offer OEM Coverage to vehicles that meet all of the following requirements

  • Private passenger auto
  • 10 years old or newer
  • Must have Comprehensive and Collision Coverage

If you have questions about your specific vehicle, start your quote today and see how much you can save when you only pay for what you need.

Why choose Risk Coverage?

  • Risk Coverage can customize your insurance coverages so you only pay for what you need
  • You could save $650 on auto and home when you bundle your insurance policies
  • We’ve been helping people like you protect what they love for more than 120 years
  • We’re rated “A” (Excellent) financial by A.M. Best Company3

Property Damage

In most cases, the Personal Injury Protection policy will cover you and your passengers. It may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident


Medical Payment

In most cases, the Medical Payment policy will cover you and your passengers. It may pay for your medical treatment,

// faq

Common questions about car insurance

What is car insurance?

First, let me start with the basics—an individual must purchase liability insurance for their vehicle (and thus its owner) to be considered “insured” under state law. This rule applies across all circumstances- even if no accidents take place!

This protection exists so others may not suffer financially due to injuries sustained during a collision. We also offer Collision insurance if your vehicle needs repairs after an accident and comprehensive coverage if your car is vandalized.

How can I save money on car insurance?

The first way to save on car insurance quotes is by ensuring that your vehicle meets the minimum safety standards.

This will also help avoid costly repairs in case of an accident, leading you into a higher premium rate category due to being risky drivers!

You should consider reviewing any existing coverage aspects as well if they’re not up-to-par with current market rates – this includes both physical damage protection beyond merely bumper-, windshield-, comprehensive and collision-.

How do I file a car insurance claim with Risk Coverage?

Like many of our policyholders, the company that provides you with car insurance can be a life-saver, and we’re here to help. Log onto Risk Coverage’s website or call us if your car needs immediate attention, so we’ll ensure it gets the best care possible!

Should I get an umbrella policy too?

If you’re involved in an auto collision, and the other person’s fault is unclear, it may be time to consider getting extra protection.

Umbrella policies offer increased financial compensation for injuries, damage done on behalf of a covered individual that results from accidents occurring outside their control (such as driving into traffic), plus legal fees that will arise.

What are auto insurance coverages available?

Insurance for auto policies varies by state, but the basics of an auto policy include multiple coverages.

Some common types are liability (to protect against physical injury), comprehensive (for damage), and collision(to assist with reporting accidents).

You might also need medical payments or personal effects coverage if you rent cars regularly due to various restrictions in some states – these will depend entirely upon your specific situation!

Does car insurance cover rental cars?

Your car insurance may provide coverage for rental cars. To find out, call Risk Coverage to see if your current auto insurance policy covers rental vehicles.

Risk coverage will never let you walk away without vehicle rental. If you have full range, why? Because in certain situations, for $2 a month, you can be covered if you get in an accident and need a vehicle to continue getting around.

There are some benefits of having Credit cards since some provide discounts for renting a car. Some credit cards offer additional coverage but make sure you understand the terms and conditions, including any limitations on the type and amount of coverage.

What do I need to get an auto insurance quote?

To get the most accurate quote on new policies, you need to supply your car’s make, model, year, and information about your driving history. You’ll need your vehicle identification number (VIN) handy to purchase an auto policy. We’ll also ask for your driver’s license number.

Not sure which coverages to select? Our car insurance calculator can help you estimate your coverage needs. Ready to get started? Get a quick car insurance quote online or call us.

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