Question
Will Travelers pay for OEM parts if my car needs repairs after an accident?
I got in an accident and need some major repairs, and I have Travelers insurance. My truck (2021 Toyota Tundra) has high-quality parts and customizations, and I don't want to have cheap parts put back on when it gets fixed. Will Travelers pay for original manufacturer parts for my truck or is this going to cost me extra?
Answer
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Travelers offers an OEM parts coverage option for newer cars, which guarantees original manufacturer parts are used in repairs. Without it, aftermarket or recycled parts may be substituted. So, it comes down to your specific vehicle and auto policy.
- OEM parts = made by your vehicle’s manufacturer (better fit, resale value, and often safer in crash performance).
- Aftermarket parts = made by third-party companies (cheaper, more widely available, but sometimes less precise in fit and finish).
Other carriers handle this differently: Erie and American Family sell OEM endorsements, while high-end insurers like Chubb and AIG often include OEM parts as a standard benefit. Some states even require insurers to cover OEM parts on newer vehicles. If OEM parts are important to you, check whether your policy already includes them or if you need to purchase an endorsement.
I'm sorry you are dealing with the stress of vehicle damage. If you decide to get quotes for different coverage, you can always reach out to our in-house agents. to compare options.
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