Jeff gets into an accident and brings his vehicle to a shop for repair. Many insurance companies will require the shop to use aftermarket parts to fix your car. In this case, Jeff likely doesn’t know he has a choice. If Jeff wants his vehicle fixed using manufacturer parts and does not have OEM coverage, he would likely have to pay out-of-pocket for the difference between aftermarket and OEM parts.
Choosing a carrier that offers OEM coverage can provide great value if you’re buying a vehicle that is relatively new (under 5 years old).