Original Parts Replacement

Replace any damaged parts to your vehicle with parts that meet the highest quality standards.1

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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.
Two woman in front of a car with the good up.

What if OEM parts aren't available?

There are some cases when OEM parts aren't available because they're not built anymore, not distributed, or for other reasons. In this case, estimates may include a new non-OEM part or reconditioned OEM part.

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 isn't everything. There are plenty of companies that make aftermarket parts that are of similar quality.

What cars can get OEM insurance?

Some insurance companies don't offer OEM insurance, so you'll want to 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

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

Do I need Original Parts Replacement on my car insurance?

That's up to you. As an optional coverage it'll add an additional cost to your car insurance. However, some people prefer knowing their vehicle is repaired using the same parts it was built with. These are things you may want to think about when deciding if you want to add OEM Coverage to your auto insurance.

Why choose Liberty Mutual?

  • Liberty Mutual customizes your insurance so you only pay for what you need
  • You could save $950 on auto and home when you bundle your insurance policies2
  • We've been helping people like you protect what they love for more than 100 years
  • We're rated "A" (Excellent) financial by A.M. Best Company3

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1Genuine OEM Replacement Parts available except where prohibited by state law.
2$950 Auto & Home Savings Figure: Average savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary. Comparison does not apply in MA.
3A.M. Best Rating Services, 2022.