Jack B Kustra, CPCU, CFP, CLU Since 1981
Jack B Kustra, CPCU, CFP, CLU Since 1981

Auto Insurance

Saving money is important, but so is having the right coverage to protect your assets against financial loss.  Why not do both?

OEM Loss Settlement Option

Typically when a vehicle is involved in an accident, the insurance company has some flexibility with the parts that are included in the repair estimate.  They could be used parts, new parts manufactured by a third party vendor, or new parts made by the car manufacturer.  The important point to understand is that the consumer does not choose which parts are used.


With the OEM Loss Settlement Endorsement, the insurance company is obligated to use new parts furnished by the original equipment manufacturer to repair or replace damaged parts.  If the OEM parts are out of production or not available, you are reimbursed for the difference in price between the new OEM part and the part that you authorize for the repair (if the parts are less expensive).   This coverage is typically available for vehicles less than 10 years old.


For more information, please contact our auto insurance specialist.

Contact us


Disclaimer: Please be advised that no insurance can be purchased, bound, or put into effect over the Jack Kustra Agency website. To start a policy or make changes to an existing policy, you must first speak with an agent who will assist you accordingly. Thank You

Office: 610-825-7440

Text: 215-605-5401

Email: jack@insurancekustra.com



Serving the community  Since 1981


Want to know more about the new teen driver laws in Pennsylvania?


Our rates are very favorable for families with teen drivers.

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