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.
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 you decide to file an auto insurance claim for damage caused by hitting a sidewalk, you'll need car collision coverage to cover the incident. Every driver and accessible vehicle is different, so discuss your needs with your insurer to find the best car insurance coverage for you. 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. Thanks to the protections offered by the Americans with Disabilities Act (ADA), drivers and car owners with accessible vehicles are entitled to auto insurance at a fair price.
Car insurance for wheelchair-adapted vehicles and other accessible vehicles can be obtained through a standard auto insurance policy. Giving the insurance company a complete view of your vehicle is the best way to get car insurance coverage for your vehicle that is accessible to people with disabilities. Adaptive vehicles tend to be more expensive due to their special modifications, so your insurance rate could be higher. If your car insurance policy includes collision coverage, then it should help you pay for damage to your car if it hits a sidewalk.
If you're thinking about adding new parts to your car, it's critical that you inform your car insurance company beforehand. 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. 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. Cars that cost more to repair or replace (generally, cars that are more expensive) may have a higher insurance premium to account for the potential cost of repairing them after an accident.
Compare motorcycle insurance coverage options below and learn why 1 in 3 insured drivers choose Progressive. You can insure your wheelchair-accessible or wheelchair-friendly vehicle like other vehicles, but you may need to disclose modifications to your insurer to make sure they're covered. In addition, misrepresenting information in your application, such as hiding details about your vehicle to get a lower premium, is considered auto insurance fraud, a felony.