Quality Parts Guarantee
When your car is repaired after a covered loss, you want it restored to the same high standards it had when it left the factory. With Amica’s Quality Parts Guarantee coverage, your repair estimate is based on new Original Equipment Manufacturer (OEM) parts — so long as they’re still being made and available. That means your vehicle is repaired with parts designed by your car’s manufacturer, helping preserve its original fit, finish and performance.
Included with: Advantage and Signature auto policies
Availability, limits and deductibles may vary by state and policy.
How does this coverage help?
After an accident, the quality of replacement parts can make a difference in how your vehicle looks, fits and performs. Quality Parts Guarantee coverage helps by basing your repair estimate on new Original Equipment Manufacturer (OEM) parts when they’re still being made and are readily available.
Some benefits include:
- OEM parts are generally more expensive than like kind and quality (LKQ), aftermarket or used parts since they are made or supplied by the original manufacturer.
- Replacing damaged parts with OEM parts likely extends the life of the vehicle and helps restore it to its peak performance.
- OEM parts may also help retain the vehicle’s resale value and deflect the stigma associated with the accident history.
- OEM parts typically come with a warrantee from the manufacturer, whereas LKQ parts may have limited or no warranty.
What if OEM parts aren’t available?
If OEM parts are no longer manufactured or aren’t readily available, repairs may be made using other parts of like kind and quality, which may include:
- Rebuilt parts
- Quality recycled (used) parts
- Restored parts
- Aftermarket or non OEM parts
Important details
To qualify for Quality Parts Guarantee:
- The vehicle must be 10 model years old or newer.
- You must carry both Collision and Comprehensive/Other Than Collision (OTC) coverages on your auto policy.
Real-life scenarios
Collision repair with OEM parts
A driver backs into a pole and damages the rear bumper. They file a claim and, with Quality Parts Guarantee, the repair estimate includes a new bumper from the vehicle manufacturer.
Comprehensive claim with OEM parts
A vehicle is involved in an accident with a deer, causing damage to the headlight. Quality Parts Guarantee helps ensure the estimate includes new OEM headlights.
What isn’t covered?
There are some situations where this coverage may not apply, including:
- Vehicles deemed a total loss. At that point, the claim is settled based on Actual Cash Value of the vehicle.
- Glass or tires.
- Rented or leased autos, non-owned vehicles, or any auto or trailer being used as a temporary replacement to the policy vehicle.
Is this coverage right for you?
Quality Parts Guarantee can be a good fit if you want added confidence in how your vehicle is repaired after a covered loss.
It may be right for you if:
- You value your vehicle’s original fit, finish and performance after an accident
- Your vehicle is 10 model years old or newer
- You carry Collision and Comprehensive/Other Than Collision coverages
- You prefer repairs that align more closely with how your vehicle was originally built
Quality Parts Guarantee is included with Advantage and Signature auto policies. An Amica representative can help you review your coverage and confirm whether your vehicle qualifies.
Ready to decide?
Explore YourPlan auto coverage options, or talk to an Amica representative about how Quality Parts Guarantee works and whether it’s available for your vehicle.
OEM (Original Equipment Manufacturer) parts are made or supplied by your vehicle’s original manufacturer and are designed specifically for your vehicle’s make and model.
No. Quality Parts Guarantee is based on OEM parts being made and readily available. If OEM parts aren’t available, repairs may be made using parts of like kind and quality.
This coverage requires the vehicle to be 10 model years old or newer. If the vehicle is older, the repair estimate may be based on parts of like kind and quality.
No. If your vehicle is deemed a total loss, the claim is settled based on actual cash value rather than repair parts.
AMIC-11-041327