Best insurance companies that cover OEM and pay claims?

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June 10, 2025 at 7:37 pm #2519 Reply
‎John
Who can recommend me a good insurance company that actually pays when you have a claim, or when you have aftermarket parts?
I’m dropping GEICO today, terrible company, they just absolutely screwed me, they won’t even pay for OEM parts they will pay for “OEM equivalent” Chinese parts, pretty un acceptable on a $100,000 vehicle.
June 10, 2025 at 7:38 pm #2521 Reply
Jim
Aftermarket or like kind and quality parts are on most if not all policies, it’s stated on your policy which most people never read. Car value is irrelevant if used or aftermarket parts are available they’ll be added to the estimate
June 10, 2025 at 7:39 pm #2522 Reply
Elkyn
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.)
June 10, 2025 at 7:40 pm #2523 Reply
Homer
State Farm the best for me had GEICO before and same had bad experience never going back
June 10, 2025 at 7:40 pm #2524 Reply
Parker
Connect has been good to me, but expensive. Payed me 6k for an Acura I payed 2k for, and I got to keep the car
June 10, 2025 at 7:40 pm #2525 Reply
Parker
You have to add those coverages or select a company with an agreed value policy
June 10, 2025 at 7:40 pm #2526 Reply
Jeffrey
USAA. Had Allstate for 35 years. They always paid and were very easy to deal with. The only reason I left was due to a huge price increase.
June 10, 2025 at 7:40 pm #2527 Reply
Kevic
You gotta step into any claim with boxing gloves on. And know all your possiblities.
It’s now the nature of the beast.
State Farm is a step above most. I had to fight progressive on a total loss on a. Lifted/wheels/ winch and jacked Jeep wrangler by hiring an independent appraisal ($700 for appraisal and discussion with other co).. And then progressive had to hire one also. The difference of 14k or 20,200. Was a Rebuilt title.
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