For non-safety-related parts, there may be more restrictions on the use of OEM both under state law as well as your policy. You may be able to insist on OEM parts, but where they aren't required you will generally have to pay the difference in cost.
The claim may be denied, for example, because the company has determined that the loss is not "covered" by the terms of the insurance policy or that the person who suffered the loss is not an "insured" under your policy. If you become involved in a coverage dispute with your insurance company, you may want to obtain the assistance of an attorney that is experience in handling insurance coverage matters due to the complexity of insurance policies. The resolution of coverage disputes often depends on careful analysis of the unique facts and circumstances of each case in light of applicable state law.
The mandatory requirements in your state may include minimum amounts of the following types of coverage:
The following types of coverage are not required by any state but if you have a car loan, your lender may insist you carry these until you pay off your loan:
Optional insurance coverage includes:
If your auto has substantial value because of its exceptional condition such as an antique, classic or restored auto, you should have it appraised and then insure it for the appraised value.
Insurance companies cannot discriminate against providing coverage based on a protected class such as race, sex, religion, national origin or ancestry. Your state may also have additional restrictions such as profession or marital status.
Bodily Injury Liability (BIL) coverage pays for injuries that you, the designated driver or policyholder, cause to someone else. It will also usually pay if the accident was caused by a member of your family living with you or a person using your own auto with your consent. You and family members listed on the policy are also covered when driving someone else's car with their permission.
Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you're sued. This coverage does not pay for bodily injury you may sustain. If you're sued due to an accident and the jury or judge awards a verdict to the injured party larger than your bodily injury liability insurance limit, you may be held personally liable for the difference.
In most states, those covered by a PIP policy usually include: