Insurance companies don’t owe you new OEM parts on a 100k mile vehicle. Every if not all insurance companies pay for new OEM parts on same year vehicle or maybe under 20k mikes or so. Some insurance companies like Nationwide offer an OEM endorsement you can pay for. It doesn’t matter if you go to Geico, Allstate, Progressive, State Farm, etc. If you have a higher end vehicle, I recommend Chubb or Pure. Other than that, it’s all the same regarding parts (of course following state’s guidelines first.)