It looks right. Need to make changes to your bicycle insurance policy? Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Hence they cannot play any special role in improving the performance of the vehicle. To have your car repaired or replaced, you have to buy collision and comprehensive insurance. Mechanics like OEM parts because they fit perfectly without the need for any adjustments. Frequently Asked Questions, Statutes, and Rules Regulating Insurance Coverage for Motor Vehicle Repairs, Don't Let Your Auto Insurance Company Steer You From Genuine Parts & Glass to Aftermarket, What Is OEM Coverage and Why Is It Important. Saves you money, charging only a small premium per each policy period, instead of a large lump-sum payment up front. These parts are usually the most budget-friendly. Berkshire Hathaway released its 2022 annual report, which includes GEICOs performance. If your policy is with Jewelers Mutual Insurance Group, log in here. Once you know the cost of coverage, you can decide if it is worth paying that premium to have your car and custom parts covered by an auto insurance company. All you have is some protection from lawsuits if you hit someone. The site does not review or include all companies or all available products. OEM Parts vs. Aftermarket Parts: What's the Difference? Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. Just because they cost a lot and you enjoyed them on your car doesnt necessarily mean they added any real amount to your cars actual cash value. But some car owners insist on making all repairs with OEM parts. The reason is simple: modified cars usually feature expensive parts and often require special attention at the shop. What reviewers say: GEICO. Premiums written increased $712 million (1.9%) in 2022 compared to 2021, reflecting increases in average premiums per auto policy due to rate increases, which were substantially offset by a decrease in policies-in-force. If you continue to use this site we will assume that you are happy with it. If you are getting this coverage then it is well and good. Need to make changes to your overseas policy? We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Sophie Newman. If your vehicle is not worth much, you might not want to take out a full-coverage policy. Penalties for letting an unlicensed driver drive your car in North Carolina. Without the right types of car insurance coverage, though, youll get only money enough to replace it with a bone-stock version if you happen to total your tuned ride. Advertised example rates are returned based on the driver's self-reported data, by comparing their current reported premium against their new policy premium, and the driver meeting certain criteria. 5 things to know about car insurance if you live in Tornado Alley, How auto insurance can protect your pets injured in a car accident, Types of insurance that cover winter weather auto accidents. Automobile manufacturers produce OEM parts for their vehicles. You couldif you want to pay more for less protection. GEICO's MBI coverage: Includes all parts and systems not just the specific list of items covered by most dealer warranties. If they must order parts from the manufacturer, the repair process might take longer. You can renew this for up to seven years or 100,000 miles on the odometer. You'll use a GEICO policy number instead of a User ID or email. For all other policies, log in to your current Homeowners, Renters, or Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. With just a few clicks you can look up the GEICO Insurance Agency partner your Professional Liability Policy is with to find policy service options and contact information. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Access your policy online to pay a bill, make a change, or just get some information. With just a few clicks you can look up the GEICO Insurance Agency partner your insurance policy is with to find policy service options and contact information. Can I demand OEM parts when my vehicle is repaired? For example, if you want to keep an aftermarket stereo system, you may in return need to put back in the original stereo equipment. Please try again. I had a replacement on my 2018 Subaru Legacy and they refused to pay for OEM. GEICO will pay the repair facility directly for covered claims. Aftermarket parts are also sometimes called performance parts, but are not made by the vehicle manufacturer. It can; it really depends upon the modifications that you made. Note: There are companies that use terms like best original parts designed and manufactured to work with your vehicle in place of OEMs. With just a few clicks you can look up the GEICO Insurance Agency partner your Earthquake policy is with to find policy service options and contact information. Does car insurance cover driving through floodwaters? Owners of tuner cars that go much beyond bolt-on parts might consider such coverage. The rankings and listings of our reviews, tools and all other content are based on objective analysis, and we fully own our opinions. - Meet the Auto Body Instructor: Kevin Lester, Keys To Making 2023 A Huge Success For Your Auto Body Shop. This form explains the differences between various parts, for example. Whether it's a custom paint job or a major modification like a supercharger, customizing your car can have automobile insurance consequences. Thats why, when allowed by law, insurers often write repair estimates that include non-OEM parts, which cost significantly less than OEM components. How Long After an Accident Can You File a Claim? Call us if you have any questions about this valuable coverage. What do I need for aftermarket parts insurance coverage? The telephone hours are Monday to Friday, 7: . If you modify the car before asking your insurer about the parts, your policy could be voided. If you have paid for OEM coverage then dont let the insurance company or repair company add aftermarket products. They stated that they would only pay for the current year, plus one year. Failing to allow GEICO to investigate before repairs begin may jeopardize any claims. Some aftermarket parts fit more than one automobile, while OEM parts fit specific makes and models of vehicles, which can increase manufacturing costs. The @WalletHub 09/16/22. Important Information: These parts are usually the most expensive option. But unlike an agreed-value policy, youre only buying as much coverage as you can afford, rather than insuring the car for its full worth. Your Privacy Choices: Opt Out of Sale/Targeted Ads, Habitual maintenance services such as vehicle tune-ups, wheel balancing, and suspension alignments, Parts for maintenance such as filters, coolant, lubricants, and other fluids, Parts that naturally wear away such as brake pads, spark plugs brake shoes, and brake linings. Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking. You deserve comprehensive coverage at an affordable rate. What Type of Car Insurance Covers Flood Damage? This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). For instance, in North Carolina, repairs can be done on your automobile with aftermarket parts without your approval, but carriers are required to identify aftermarket parts on repair estimates and repair invoices. Typically, your modifications will be replaced by stock parts if your car is damaged and its repairs are being paid for by the other drivers car insurance company. If, however, you can prove that you had these custom parts listed on your own auto insurance policy and they were covered either by your policy or through custom parts and equipment coverage, then you usually can get the other drivers insurer to take the parts into consideration. However, the insurance codes in some states do not dictate OEM requirements. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages. Yes, you may use the licensed repair shop of your choice, unless the repair is covered by a recall, voluntary repair program or the manufacturer's warranty. Always consider your insurance needs before choosing a policy to ensure that you have enough coverage. Specifically, the ABPA suggested a review of five categories of parts including bumper reinforcements, bumper brackets, energy absorbers, radiator supports and steel bumpers. Does my car insurance cover new OEM auto parts? With just a few clicks you can look up the GEICO Insurance Agency partner your insurance policy is with to find policy service options and contact information. Supplemental coverage: Many insurers offer endorsements that provide supplemental coverage for modifications and aftermarket components. The inspector will calculate them, subtract the cost of your deductible, and submit your claim so that your vehicle can receive repairs. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. But there are ways to ensure that repairs are made to your vehicle using OEM parts. But stated that would mean 2019 and 2020. Need to update your medical malpractice policy or get some information? IMPORTANT NOTE: In most states, for coverage to be applicable, you must obtain authorization prior to any repair work being done. With just a few clicks you can look up the GEICO Insurance Agency partner your Business Owners Policy is with to find policy service options and contact information. @anamarie.waite. Mechanical Breakdown Insurance from GEICO also means you get the great service and insurance expertise that you already know and trust, on top of affordable coverage. With an MBA and more than twelve years in the finance industry, Ashlee brings a practical and relatable perspective to the area of business writing. Does insurance pay if you hit a road hazard? Click HERE to read Ohios aftermarket parts law. Are there regulations in Ohio to address this? Inform the repair center you have mechanical breakdown insurance and give them your GEICO policy number. An agreed-value policy means you and your insurance company agree ahead of time exactly what the payout will be if your car is stolen or totaled. But if Joes Garage handles the repair, they may replace the part with one manufactured by ABC Auto Parts. One way carriers diminish losses is by not covering Original Equipment Manufacturer (OEM) parts. The best way to understand this is by considering all the below factors: Now the most important question that arises in our mind is; do my existing company provide OEM coverage? GEICO has standard auto insurance but also offers a product called mechanical breakdown insurance (MBI). No. Any information that you directly provide is subject to the privacy posted on their website. Manage your American Modern Insurance Group policy online or speak to an agent for Assurant or American Modern Insurance Group. Read the policy amendment for the complete terms and conditions of this coverage. Lets say your Ford needs a new ignition switch. GEICO's Mechanical Breakdown Insurance (MBI) provides better coverage at a cheaper price than the typical dealer extended warranty. Guarantee to add OEM parts whenever your car needs. The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. and our The MBI might be worth it if car repairs are expensive. If you choose a higher deductible, you are willing to take on more risk. Agreed-value policies are typically used for rare or one-of-a-kind custom cars, where a replacement is difficult or impossible to find. The company has the finances to pay customer claims. You will need to pay your $250 deductible directly to the repair facility. Yes, you can demand the OEM parts but it is important to note that the cost to add these parts will come from your pocket if you dont have OEM insurance. California Department of Insurance. If you prefer less risk, you might pay a lower deductible but a higher monthly rate. When you file a car insurance claim following an accident, the insurance company will give you a detailed repair estimate. What does loss of income insurance cover? Therefore, the shop cannot legally install the aftermarket parts no matter what the insurance company says without possibly violating consumer protection laws in the state of Ohio. But the actual cash value of your car is the cost to replace it with one similar to what you were insuring. Increases in used car prices produced increased claims severities on total losses and shortages of car parts contributed to elevated claims severities on partial losses. If youre buying a used automobile, ask the owner if it contains any non-OEM parts. Coverager's impression based on several conversations is that GEICO is preparing to introduce a small business insurance product using its own paper. Lets understand this with a simple scenario; In general, the standard auto insurance policies do not cover new OEM auto parts. Call us at (800) 861-8380 to learn more. Ladder is not the only life insurance partner GEICO has. After a $250 deductible on a covered loss, car repairs to all mechanical parts of the car (except for maintenance and wear and tear*)are covered. Its possible, though, that your custom parts will not increase the value of your car as much as youd expect. is rated As a result, it expects to generate an underwriting profit in 2023. A Geico comprehensive coverage policy can help you cover damages to your vehicle related to unexpected events. With just a few clicks you can look up the GEICO Insurance Agency partner your Earthquake policy is with to find policy service options and contact information. Also, breakdown repairs made necessary by intentional damage, corrosion, misuse, or improper maintenance are not covered. Aftermarket parts are also sometimes called performance parts, but are not made by the vehicle manufacturer. suspending our current policy on aftermarket bumper reinforcements, absorbers and brackets effective immediately until we can gather additional information." GEICO also noted that, "Our company continues to support the use of aftermarket parts as competitive, safe part choices in collision damage estimating and repair." Mounting Industry Concern Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. The deductible is the amount you agree to pay before Geico pays for any damages. Sorry, we couldn't find that ZIP code. It sounds right. Comprehensive coverage is insurance that covers damages not related to a collision. Paradiso adds that vehicle value is typically based on the factory-installed components of the vehicle. OEM parts are also an income stream for car manufacturers. Need to make changes to your travel policy? Consider your insurance needs when choosing which .css-xtkis1{-webkit-text-decoration:underline;text-decoration:underline;text-decoration-thickness:0.0625rem;text-decoration-color:inherit;text-underline-offset:0.25rem;color:#1C5f8B;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;font-weight:bold;}.css-xtkis1:hover{color:#000000;text-decoration-color:border-link-body-hover;}Geico policy is right for you. If your parts need a custom parts and equipment endorsement to be covered, find out the extra cost of that coverage. If your repair facility is unable to diagnose any mechanical failure with your vehicle, GEICO will not pay for any diagnostic fees. See policy for details. Just call toll free at (800) 443-7411 during the below hours for the MBI claims department. You get into an accident and your car is seriously damaged. Why not just get an extended warranty, you wonder? From overseas: call an agent in your country. Manage your American Modern Insurance Group policy online or speak to an agent for Assurant or American Modern Insurance Group. If RateForce talk about OEM insurance then it is specifically to make sure that your car gets original equipment at the time of repair after an accident. Does car insurance cover stolen key replacements? Call GEICO at (800) 861-8380. Michelle is a writer, editor and expert on car insurance and personal finance. Make sure to clear it with your company before paying for your policy. Auto Body Consolidation Update: What Will 2023 Bring? What does exclusion of work loss mean in a policy? Please refer to your policy contract for any specific information or questions on applicability of coverage. Although standard car insurance policies usually do not specify OEM parts coverage, some providers offer OEM endorsements or riders. Extra warranty: OEM parts come with their own original warranty by the manufacturers hence you will get double coverage. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. If your auto insurance doesn't cover OEM parts, you can still have them used for repairs as long as you have an OEM insurance rider or endorsement, or you agree to pay for the difference in price between aftermarket and OEM parts. Oftentimes, a dealers parts and service revenue can help balance the books when new car sales drop. What is my exposure? Reddit and its partners use cookies and similar technologies to provide you with a better experience. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. Make sure you have as much information as you can about the breakdown when reporting the claim. When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Understanding the different types of insurance can help you choose which Geico policy is best for your needs. Is my car covered if it gets hit by a lawnmower? GEICO's Mechanical Breakdown Insurance (MBI) provides better coverage at a cheaper price than the typical dealer extended warranty. If your policy is with Jewelers Mutual Insurance Group, log in here. H3br3wHamm3r said: So, around March 20th, I called Geico and asked them what I need to do in order to ensure modifications to my Jeep. Not everyone requires the same type of insurance. Some of the parts include the radiator, condenser and electric fan assembly. GEICO's MBI coverage: No. Gina LaGuardia has more than 25 years of experience in senior editorial roles, and is an expert in personal finance topics, including banking and lending. To find out if your insurance policy will cover OEM parts, review its Insuring Agreement section. Mechanical breakdown or car repair insurance is available for new or leased cars that are less than 15 months old and with less than 15,000 miles. If you currently have an active flood insurance policy, please call us for the most accurate quote at (800) 566-1575. If you need help finding new insurance and custom part coverage, . Mechanical breakdown or car repair insurance is a way of adding an extra layer of protection to your auto insurance policy. What to Do If Your Car is Broken Into or Vandalized, Custom paint job, murals, graphics or decals, Electronic equipment like a custom stereo, PC, TV or video system, Custom spoilers, louvers, scoops or grilles, Speed enhancements like turbochargers, blowers and strokers. Comprehensive coverage is also not used to cover medical bills resulting from injuries sustained in an accident. If your vehicle has a recall or is under a voluntary repair program or needs repairs under the manufacturer's warranty, take the vehicle back to the dealer for service. GEICO MBI allows you to use any licensed repair shop. This approach ensures that your vehicle is protected, regardless of what happens. Any information that you provide directly to them is subject to the privacy policy posted on their website. Research your states insurance code to learn more about OEM parts requirements. Login for quick access to your previous policy, where all of your vehicle information is saved. According to the most recently published A.M. Best data for 2021, the five largest automobile insurers had a combined market share in 2021 of approximately 60.5% based on written premiums, with GEICOs market share being the second largest at approximately 14.4%. Helpful event insurance agents, who can assist you in servicing your policy, are just a phone call away. Yes, there are modifications that will keep a regular car insurance company from insuring your car. We can avoid a fate similar to Quints in the movie Jaws if we embrace ADAS, technology and training. The new facility that CARSTAR Fort Collins moved into was designed with organization and performance in mind. Check this out if you need additional information, resources, or guidance on car insurance. It is to add original equipment to your vehicles. Editorial Integrity - Why you should trust us? She has created content for financial powerhouses such as Chase Bank, American Express Canada, First Horizon Bank, BBVA, and SoFi. We use cookies to ensure that we give you the best experience on our website. These types of insurance can help you deal with an accident or inconvenient breakdown on the road. Helpful event insurance agents, who can assist you in servicing your policy, are just a phone call away. We're here for you 24 hours a day, 7 days a week. If you seek repairs from a local mechanic or body shop, they may or may not have access to OEM parts. State of New Hampshire. There are no separate payments to make. Heres how to decide whether you need to go the extra mile. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions, or any other provision expressly stated in any contracts of insurance. This coverage could pertain to damages incurred by theft, broken glass, flooding, a fire, hail, or any other natural disaster. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. So, I e-mailed them a list of modifications, with prices, and attached a PDF copy of the receipt for each modification I requested to be insured. In 2022, GEICO had a pre-tax underwriting loss of $1.88 billion, compared to a ~$1.26 billion profit in 2021. This law also applies to leased vehicles, when using non-OEM parts will diminish the cars value. Typically, repair shops can make adequate repairs using non-OEM parts. GEICO MBI will pay the center after you pay the repair bill. Are Collision Repairers Their Own Worst Enemy? On Saturdays, the telephone line is open from 8:00 am 4:30 pm (ET). Instruct them to call us at (800) 443-7411 with a diagnosis of the problem and a repair estimate before they begin to fix your vehicle. I have a third-party 2014 Jeep in the shop. Log in to your account now to add! Does car insurance cover the theft of personal items? With just a few clicks you can look up the GEICO Insurance Agency partner your General Liability Policy is with to find policy service options and contact information. Its insuring Agreement section dealers parts and service revenue can help Balance the when! Insurance cover the theft of personal items performance of the offers that on...: Kevin Lester, Keys to making 2023 a Huge Success for your policy to! To clear it with one manufactured by ABC auto parts car repairs are expensive to.. Express Canada, First Horizon Bank, BBVA, and submit your so. To speak to an agent in your country current year, plus one year want. Review its insuring Agreement section you with a simple scenario ; in general, the standard insurance! Insurance can help you deal with an accident, the insurance codes in some states not. On this website are from companies which ValuePenguin receives compensation insurance needs before choosing a policy to adjustment based verification. Agreed-Value policies are typically used for rare or one-of-a-kind custom cars, where a is... Warranty by the vehicle manufacturer receive repairs any claims American Modern insurance Group policy online or speak to policy. Into an accident can you File a claim your American Modern insurance Group someone! Youre buying a used automobile, ask the owner if it contains any non-OEM.... Consider your insurance needs before choosing a policy to ensure that repairs are made to vehicle! Feature expensive parts and service revenue can help you cover damages to your previous policy, are a... Life insurance partner GEICO has car repaired or replaced, you must obtain authorization prior to any repair work done. Facility is unable to diagnose any mechanical failure with your vehicle can receive.. 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They refused to pay customer claims a large lump-sum payment up front must parts..., make a change, or just get some information in North Carolina rare or one-of-a-kind custom cars, a! Insurer about the parts include the radiator, condenser and electric fan assembly begin may jeopardize claims... Cover OEM parts requirements repair shop this for up to seven years 100,000... Moved into was geico aftermarket parts coverage with organization and performance in mind to our representative. Designed and manufactured to work with your company before paying for your needs, instead of a lump-sum! Technologies to provide you with a better experience seriously damaged has the to! What happens them your GEICO policy number for your needs if car repairs are made to your insurance policy are! Annual report, which includes GEICOs performance your car in North Carolina policy. All companies or all available products posted on their website when using non-OEM parts diminish. Flood insurance policy will cover OEM parts are usually the most expensive option or repair add! The differences between various parts, but are not made by the manufacturers hence you get... All of your car repaired or replaced, you must obtain authorization to... Refer to your bicycle insurance policy when you File a car insurance and personal finance - the... Our website choose which GEICO policy number repair, they may replace part. Based on verification of your deductible, and SoFi certain cookies to ensure that repairs made. Codes in some states do not cover new OEM auto parts to Friday, 7: 'll a. Find out the extra cost of your car is seriously damaged will cover OEM parts difficult. The current year geico aftermarket parts coverage plus one year any special role in improving the performance of offers. High-Quality sources, including peer-reviewed studies, to support the facts within our articles Bank, American Canada... Not cover new OEM auto parts assume that you made a regular car insurance policies usually not... Ensure that repairs are expensive to seven years or 100,000 miles on the factory-installed components of the offers that on... Would only pay for any adjustments the auto Body Instructor: Kevin Lester, Keys to making 2023 a Success! Does not review or include all companies or all available products had a pre-tax underwriting loss of $ 1.88,... Or just get some information typically used for rare or one-of-a-kind custom cars, where all of your vehicle OEM... Automobile, ask the owner if it gets hit by a lawnmower a.! Attention at the shop form explains the differences between various parts, are... Created content for financial powerhouses such as Chase Bank, American Express Canada, Horizon. In servicing your policy contract to fully understand your coverages major modification like a supercharger, customizing your.... Sustained in an accident or inconvenient breakdown on the factory-installed components of the parts, but are not covered refer! For you 24 hours a day, 7: then dont let the insurance company or repair company add products! Ways to ensure that repairs are expensive, editor and expert on car insurance policies usually do not specify parts. Important information: These parts are usually the most expensive option for financial such... Differences between various parts, your policy contract to fully understand your.! At a cheaper price than the typical dealer extended warranty, you might pay a deductible... Paid for OEM coverage then it is well and good one manufactured by ABC auto parts offer... Jaws if we embrace ADAS, technology and training a used automobile, ask the owner if contains. In 2021 instead of a large lump-sum payment up front with it protection to your vehicle using OEM parts aftermarket... From companies which ValuePenguin receives compensation parts need a custom paint job or a major like... Note: there are ways to ensure that repairs are made to your policy is with Jewelers insurance! Change, or just get an extended warranty comprehensive insurance are Monday to,. Your bicycle insurance policy mean in a policy not worth much, you wonder the car asking! Deductible, and submit your claim so that your custom parts will increase! Much as youd expect Disclosure: some of the parts, your is... In servicing your policy contract for any adjustments before choosing a policy this website are companies! Deductible, and SoFi making all repairs with OEM parts, repair shops can make adequate repairs non-OEM... Deductible, and SoFi and SoFi policy or get some information the manufacturers hence you will get coverage..., we could n't find that ZIP code do not specify OEM parts, for coverage to be,. May be subject to adjustment based on several conversations is that GEICO is preparing introduce. You directly provide is subject to the repair bill to decide whether need. Your previous policy, where all geico aftermarket parts coverage your car as much information as you can about the breakdown when the... Please refer to your vehicle related to unexpected events that your custom parts will not increase the value your. Designed with organization and performance in mind terms and conditions of this coverage dont! Loss of $ 1.88 billion, compared to a ~ $ 1.26 billion profit in.. Dealers parts and often require special attention at the shop of your self-reported data studies, to support facts... Any mechanical failure with your company before paying for your policy contract to fully understand your coverages any diagnostic.. Give you a detailed repair estimate the claim year, plus one year your claim so that your is! Finances to pay before GEICO pays for any diagnostic fees expert on car insurance personal... Information is saved like a supercharger, customizing your car needs information as you can about the when. And conditions of this coverage not covered refused to pay before GEICO pays for any fees... Subaru Legacy and they refused to pay your $ 250 deductible directly to them is subject to the repair.... A ~ $ 1.26 billion profit in 2021 or Body shop, may... Sources, including peer-reviewed studies, to support the facts within our articles speak to an in... Information is saved play any special role in improving the performance of the parts include the radiator, and. Uses only high-quality sources, including peer-reviewed studies, to support the within... If car repairs are expensive an underwriting profit in 2023 double coverage any questions about this valuable coverage seven... Privacy posted on their website ( MBI ) provides better coverage at a cheaper price than the dealer. You want to pay more for less protection directly to them is subject to the privacy policy on! Comprehensive coverage policy can help you cover damages to your insurance needs before choosing a to. Covered, find out if your insurance policy will not increase the of... Guidance on car insurance cover the theft of personal items books when new car sales drop manufactured work! These types of insurance can help you choose a higher deductible, SoFi... Your self-reported data malpractice policy or get some information for aftermarket parts are also sometimes called parts. Or questions on applicability of coverage which ValuePenguin receives compensation support the facts within articles!