Coverage Types
Rare-Parts Sourcing Coverage
When your parts don't come from a US warehouse, your policy needs to know that.
Ask any long-time JDM owner about their worst insurance experience, and there's a good chance it involves a claim that dragged on for weeks because the adjuster and the policy simply weren't built around how hard — and how expensive — it can be to source real parts for these cars. Rare-parts sourcing coverage exists to close that exact gap.
The problem standard coverage doesn't see
A generic auto policy assumes parts come from a domestic supply chain: a distributor a few states away, a shop that can order the part and have it in three to five business days. That assumption breaks down completely for JDM and grey-market vehicles, where OEM parts often only exist in Japan's aftermarket and dealer network.
Without coverage built to handle this, claims get settled using generic aftermarket-equivalent pricing — parts that may not fit, may not match factory spec, or simply don't exist for your specific model and trim. You end up either accepting a compromised repair or paying the difference yourself.
What rare-parts sourcing coverage actually does
This coverage accounts for the real-world cost and lead time of tracking down genuine OEM parts from Japan-market suppliers, specialty importers, and reputable breaker networks — rather than settling a claim against domestic aftermarket pricing that doesn't reflect your vehicle.
In practice, that means your policy is built to actually get your car fixed correctly, with parts that match what left the factory, even if that takes longer or costs more than a mainstream repair.
- ▸Coverage priced around genuine Japan-market OEM parts, not generic aftermarket equivalents
- ▸Extended repair timelines factored into claims handling, not treated as a delay to be minimized
- ▸Access to our network of import parts specialists and brokers during a claim
Sourcing help that goes beyond the claims process
This isn't just a line item on your declarations page. It reflects something our team actually does day to day — we live for these cars, and we can help you find rare parts using insurance-network databases and import-specialist relationships most owners never get access to on their own, claim or no claim.
If you're restoring a car, sourcing a hard-to-find panel or trim piece proactively rather than waiting for a claim to force the issue, we're happy to point you in the right direction.
Scheduling spare parts inventory
Many serious import owners keep a stash of spare parts on hand — a spare engine, ECU, or body panels bought when they were available, held in reserve for when they're needed. That inventory can be scheduled onto your policy separately from the vehicle itself, so it's protected against theft, fire, or other covered loss.
If you've got parts sitting in a garage or storage unit right now, ask us about scheduling them when you request your quote.
Why this pairs with agreed value
Agreed value tells you what you'll be paid for a total loss. Rare-parts sourcing coverage tells you your car will actually get fixed right if it's not a total loss. Most serious import owners need both.
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Questions
Frequently asked
Generally, any OEM component that isn't readily available through standard US parts distribution — RHD-specific components, JDM-only trim and electronics, discontinued factory parts, and model-specific mechanical parts not sold new in the US.
Ready to get rare-parts sourcing coverage in place?
Tell us about your vehicle and we'll build a policy around it.