OEM Repair Procedures: Why Insurance Companies Fight Them and How to Win
Modern vehicles are engineering marvels, incorporating advanced materials, complex structures, and sophisticated safety systems. To repair these vehicles properly after a collision, body shops must follow the manufacturer's repair procedures—known as OEM (Original Equipment Manufacturer) procedures. Yet insurance companies increasingly refuse to pay for these required procedures, creating a crisis in collision repair quality and safety.
What Are OEM Repair Procedures?
OEM repair procedures are the official instructions from vehicle manufacturers for repairing their vehicles after collision damage. These procedures specify:
- Which parts can be repaired vs. must be replaced
- Specific repair methods and techniques
- Welding specifications and locations
- Required materials (adhesives, sealers, coatings)
- Calibration requirements for electronic systems
- Quality control and verification steps
Why OEM Procedures Matter
Safety
Modern vehicles are designed to protect occupants in crashes through carefully engineered crumple zones, structural reinforcements, and restraint systems. Improper repairs can compromise these safety features.
Structural Integrity
Advanced materials like high-strength steel, aluminum, and carbon fiber require specific repair techniques. Using incorrect methods can weaken the structure.
System Function
ADAS and other electronic systems must be properly calibrated after repairs. Skipping calibration can result in system failures when they're needed most.
Warranty Protection
Repairs performed outside OEM specifications may void vehicle warranties, leaving consumers unprotected.
The Insurance Industry's Position
Despite the clear importance of OEM procedures, insurance companies frequently refuse to pay for them. Common arguments include:
- "The procedure isn't necessary for this repair"
- "We've never paid for that before"
- "Our estimating system doesn't include that operation"
- "That's included in other labor operations"
- "We only pay the prevailing rate in your area"
"Insurance companies are increasingly refusing to cover full OEM collision repairs, leaving body shops and consumers to make difficult choices about safety and quality."
Commonly Denied Procedures
| Procedure | Why It's Required | Typical Insurer Response |
|---|---|---|
| Pre/Post Repair Scanning | Identify electronic system issues | "Not necessary unless warning lights are on" |
| ADAS Calibration | Ensure safety systems function properly | "Not related to the loss" |
| Corrosion Protection | Prevent rust and structural degradation | "Included in other operations" |
| Test Drives | Verify repair quality and system function | "Not a billable operation" |
| OEM Research Time | Access and review repair procedures | "Part of normal shop operations" |
How to Fight for OEM Procedures
- Document the requirement: Obtain and cite the specific OEM procedure that requires the operation
- Include in initial estimate: Don't wait for supplements—include OEM-required operations from the start
- Educate the customer: Explain why the procedure is necessary and what happens if it's skipped
- Escalate professionally: Request supervisor review with supporting documentation
- Invoke appraisal: When negotiations fail, help customers use their right to appraisal
References
- Hawley, R.E. "Who pays for safety? Body shops say insurers increasingly refuse to cover full OEM collision repairs." Bankrate, June 11, 2025.
- I-CAR. "OEM Repair Procedure Requirements." rts.i-car.com
- Society of Collision Repair Specialists. "OEM Position Statements." scrs.com
Need Help with an Insurance Dispute?
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