Insurance companies can issue repair estimates that include OEM parts based on the make, model and year of the vehicle and the type of repairs needed. However, you generally need to have specific OEM parts coverage in your auto policy so that your insurer fully covers the exclusive use of OEM parts for repairs. OEM parts coverage is typically available for motorcycles, but many insurers don't offer OEM coverage for cars. At Progressive, OEM parts coverage is offered for motorcycles, but not for cars.
Most auto policies don't cover the replacement or repair of replacement parts, custom parts, or vehicle modifications that exceed a certain amount. However, custom parts and equipment (CPE) coverage is available from Progressive and most insurers, at an additional cost, can cover stolen parts or equipment. For example, if the 24-inch tires you just added are stolen, you'll likely need CPE coverage to secure them. If you have original equipment manufacturer (OEM) parts on your bike, we'll always use OEM parts for repairs.
Or if you have custom parts, we'll use custom parts in repairs. With Progressive, you'll always have the same or better pieces. This coverage is included if you add comprehensive and collision coverage. If someone steals your vehicle and doesn't recover it, your insurer will charge you a check for the current value of your car if you have comprehensive coverage.
If you modify your vehicle to improve its performance or improve its appearance, you'll usually need a coverage endorsement or a customized, independent auto insurance policy. If you want to replace parts of your vehicle due to a repair without the involvement of insurance or vehicle modifications, you will usually have two options: aftermarket parts or OEM (original equipment manufacturer) parts. Compare motorcycle insurance coverage options below and learn why 1 in 3 insured drivers choose Progressive. If you're thinking about adding new parts to your car, it's critical that you inform your car insurance company beforehand.
A common misconception is that you must have car insurance with full coverage to be insured against car theft. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Some insurance companies don't offer insurance for modified cars if they meet certain criteria, such as if engine performance improves significantly or if custom paint or decal jobs significantly increase the total value of the vehicle. If your car is stolen, your insurer will pay you the actual cash value (ACV) of the vehicle minus your deductible.
Progressive offers a variety of insurance options for your peace of mind on the road, under your roof and in your daily life. Because these parts or features aren't usually fully covered by a standard auto policy, you may need to add an endorsement to your auto policy or purchase a customized auto insurance policy. Comprehensive coverage is the only one that can cover the theft of a car or damage to your car caused by a theft or break-in. Some of the products and services referred to on this page and that are available to you through Progressive are provided by other insurers and companies that are not affiliated with Progressive.
