What is required for the use of OEM parts in repairs under an insurance policy?

The requirement for using OEM (Original Equipment Manufacturer) parts in repairs under an insurance policy typically hinges on the necessity of obtaining written consent from the policyholder. This is important because OEM parts are often more expensive than aftermarket or generic alternatives, and the insurer needs to ensure that the policyholder is agreeable to the additional costs associated with these parts. Written consent creates a clear record of the policyholder's approval, which can help prevent disputes over repair costs and maintain transparency in the claims process.

While manufacturer warranties or verbal consent may seem adequate in other contexts, insurance policies generally require written documentation to establish clarity and protect both the insurer's and the policyholder's interests.