Auto Insurance Companies That Don’t Force You to Use Refurbished Parts (2021)

Allstate, GEICO, and State Farm are auto insurance companies that don't force you to use refurbished parts. Travelers may be one of the car insurance companies that does force you to use refurbished parts. It's your right to request new OEM or aftermarket parts after an accident. Shop around and compare multiple insurance companies until you find an auto insurance company with OEM parts coverage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

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A Concise Overview

  • Travelers auto insurance is one of the best companies that may not use OEM parts
  • Some auto insurance companies allow you to request OEM parts at no extra cost
  • You can request OEM parts from an at-fault driver’s auto insurance company

Are you looking for car insurance companies that don’t force you to use refurbished parts? Some insurance companies target refurbished parts after an accident to save money.

But can an insurance company force you to use aftermarket parts?

Our guide explores auto insurance coverages that guarantee OEM parts after an accident and which insurance companies make OEM parts a priority.

Enter your ZIP code in the free online quote tool above to compare multiple companies near you after you learn more about auto insurance companies that don’t force you to use refurbished parts.

Are there auto insurance companies that don’t force you to use refurbished parts?

The best car insurance companies will give you an option to use refurbished or new original equipment manufacturer (OEM) parts. But which insurance companies cover OEM parts?

Here are the top auto insurance companies that don’t force you to use refurbished parts.

  • Allstate
  • American Family
  • Farmers
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm
  • USAA

Smaller car insurance companies allow you to exercise your options, too.

Some insurance companies have OEM parts coverage, which pays for parts damage or mechanical failure when they suddenly fail.

But auto insurance companies that do force you to use refurbished parts are out there. Continue reading to learn more about companies that do.

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Which auto insurance companies force you to use refurbished parts?

Car insurance companies don’t necessarily force you to get refurbished, used, or aftermarket parts, but if you don’t request OEM parts, the auto insurance company will go another route.

It’s even more complicated when an at-fault driver’s insurance company has to cover damages to your vehicle.

Travelers is one of the best companies that target aftermarket parts instead of OEM or refurbished parts.

The Travelers Insurance website doesn’t mention any guarantees of OEM coverage, either.

However, you can still request OEM parts regardless of the company’s policy. If your repair settlement is insufficient, contact an attorney to help you with your case.

Why do some auto insurance companies use refurbished parts?

Sometimes, new OEM parts are unavailable. Therefore, a car insurance company will ask a repair shop to use a refurbished part instead.

It’s always a gamble with refurbished parts. A refurbished part is a used part that’s been repaired to work like new. However, refurbished OEM parts are known to break down.

How do I get an auto insurance company to use OEM parts?

When you’re not at fault in an accident, OEM parts are hard to get if the at-fault driver’s company insists on using refurbished or aftermarket parts.

Although the insurance company’s responsibility is to fix your vehicle, some companies look for ways to pay as little as possible for repairs.

Getting OEM parts from your auto insurance company is much easier. As a customer, the insurance company responds better to your request.

If a car insurance company doesn’t cover OEM parts, talk to the auto repair shop to see if they can help, or contact a lawyer to get legal advice.

Do aftermarket parts laws by state vary?

The short answer is yes. Most states have a law where car repair shops and insurance companies have to disclose whether or not they’re using aftermarket parts.

Here are five states that require repair shops and auto insurance companies to get consent from customers to use aftermarket parts.

  • Arkansas
  • Indiana
  • Kansas
  • Rhode Island
  • West Virginia

Although aftermarket parts aren’t like the original, they may work better than a refurbished part.

Aftermarket parts are generic, off-brand parts that work like the original OEM part. Meanwhile, refurbished parts are OEM parts that have been fixed.

Are aftermarket parts safer than refurbished OEM parts?

It depends. Aftermarket parts are new, but sometimes they lack the capacity of the OEM parts.

For example, a new aftermarket fuel pump in a GMC Sierra may not last as long as an OEM fuel pump.

To avoid problems altogether, car insurance companies may instruct a repair shop to use an aftermarket part.

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Auto Insurance Companies That Don’t Force You to Use Refurbished Parts: The Bottom Line

The best car insurance companies target OEM parts and use aftermarket parts as alternatives, but some car insurance companies tell repair shops to use aftermarket and refurbished parts to save money.

If you don’t ask for OEM parts, an insurance company may go with a refurbished part.

Now that you know more about auto insurance companies that don’t force you to use refurbished parts, use our free comparison tool to compare the best insurance companies in your area.

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