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Aftermarket Parts Automotive replacement parts that were not made by the original equipment manufacturer. Also known as Quality Replacement Parts, Generic Parts, C.A.P.A. Certified Parts
Basecoat ( BC ) / Clear A paint system in which the colour effect is given by a highly pigmented basecoat. Gloss and durability are given by a subsequent clearcoat
Bench A heavy metal platform used to restore a vehicle's structural geometry to factory specifications. This is done by securing a portion of the vehicle to the platform, then pulling appropriate areas of the vehicle into place using special clamps, chains and hydraulic winches. Aternate Term(s): Frame Rack, Frame Machine
Betterment Term used to describe an item replaced due to an accident that has some wear. The practice is often applied to tires and batteries that are several years old. If a battery has used up 3/4 of its life, the Insurance company will pro-rate the item’s cost and in this case will pay 1/4 of the cost to replace the battery and will ask the insured or claimant to pay the remaining 3/4. The premise being that the Insurance Company is only obligated to return the vehicle to its pre-accident condition
Detailing Final cleaning both inside and outside of vehicle, application of pinstripes, removal of overspray from underhood, trunk lids etc. as well as polishing
Hazardous Waste Any unusable by-product derived from the repair and/or painting process that cannot be disposed of through normal waste disposal streams. These products can be potentially harmful to the environment and require special handling as well as professional disposal. Federal, State and Local laws apply and may differ in their scope.
LKQ Acronym for Like Kind and Quality. Refers to a used part salvaged from another vehicle. It is inspected by the seller and re-inspected by the shop upon receipt and accepted if it is deemed appropriate
Metallic A term used for finishes incorporating fine metallic particles, usually aluminium, in the paint
R&I Acronym for Remove and Install. Refers to a part removed from the customer's damaged vehicle to be saved and reinstalled after the repair has been completed.
R&R Acronym for Remove and Replace. Refers to a part removed from the customer's damaged vehicle that cannot be acceptably repaired. It is replaced with a new part.
Supplement Additional repairs needed to complete the repair that were not identified on the original estimate.
Tint and Blend The process of mixing toners to match the existing paint finish, then blending or overlapping the color into the adjacent panel to avoid color match problems.
Unibody The structural support found in most late model vehicles.
VIN Acronym for Vehicle Identification Number. This is a unique number that identifies your vehicle. Although its primary purpose is to identify your vehicle, it often contains important information concerning the equipment and options that were installed on your vehicle at the factory. This information allows the Repair Center to order the correct parts for your vehicle. Any professional estimate or Repair Order will have this number on it.
Tortfeasor The one whose NEGLIGENCE caused the accident and who may or may not have insurance. (Note: be sure you ALWAYS state that you are the victim of negligence, and NOT EVER the victim of an intentional act; insurance ONLY covers negligence, and never intentional torts.)
Third Party Carrier The tortfeasor's insurance carrier.
First Party Carrier Your own insurance carrier.
Comp/Collision coverage Your own first party comprehensive (damage from sources OTHER THAN AN AUTO ACCIDENT) and collision (AUTO ACCIDENT) coverage.
Towing/Rental car coverage First party coverage clauses that we recommend each insured add to their policy ASAP. Inexpensive coverage and a darn good investment that pays enormous dividends if you should ever need it.
"Preferred Shop", "Approved Shop" or the like An auto collision repair facility that has been licensed by the insurer to write estimates for it and to repair from those estimates. This can save the insurer from having to hire its own adjuster to travel around and write his own estimates. BUT be careful that they are not selected because they agree to shortchange on the repairs.
DRP: Direct repair or referral program This is where they use those preferred or approved shops. This does have some potential for disadvantage to you if participation in the program is dependent upon siding with the insurance company when it comes to the overall quality of the repairs. But in our experience, many fine independent shops also participate in such programs for a number of insurers, so one should investigate the extent of the commitment to the insurance company required of the shop owner.
"Steering" This is a practice where some insurers will attempt to recommend, direct, encourage, or otherwise influence a consumer to use a repair facility selected by the insurer.
Depreciation This is the natural and expected decrease in value due to age, wear and tear, and the like.
Deductible This is the amount that you must pay if you use your own insurance to do the repairs. Look at it like the "copay" on a health insurance policy. You selected this amount when you bought your insurance and it is the amount of the repair cost you are responsible for when filing a claim with your own insurance company. Common amounts are $500.00 and $1000.00. With a higher deductible, your premiums are usually lower.
"OEM PARTS" These are the parts manufactured either by the maker of your vehicle, or by its authorized facility. Also referred to as Original Manufacturer's Equipment.
"Aftermarket" parts, "Like Kind and Quality Parts", or "Quality Replacement Parts" These are the parts made by some unknown shop overseas and are pushed by the insurance industry as a cost saving for their insureds. Since they are usually not of the same quality or fit as the OEM parts, sometimes customers will hold out for even a used OEM part rather than a new Aftermarket part.
Betterment or Upgrade This is a charge that the insurance adjuster might try to collect from you if the repairs or replacements increased the value of your vehicle. For example, what if you got new tires because your worn ones were punctured in the accident? Or what if you insisted on a new OEM generator for your eight year old car instead of accepting a rebuilt one?
"Pre-loss condition" This is the goal of your auto body repair efforts. It is supposed to be as close as possible to the condition your vehicle was in the instant prior to an accident. You are entitled to be made whole by restoring your vehicle to its pre-loss condition or by compensating you if that cannot be done. The insurance company is not obligated to make it better than it was, however, they can not force you to accept anything less.
Pre-loss elements defined Here are the elements of pre-loss condition that one should consider to ensure your vehicle is restored. (1) Function. Do all of your automotive systems work, including things like the systems that relate to stopping, steering, and handling of the subject vehicle? (2) Appearance. Here the condition of all areas of the vehicle should be restored to at least the same appearance of the subject vehicle just previous to the accident. (3) Safety. This is a most important, but frequently overlooked area, probably because most consumers have no idea what to look for. Who among us would know how to figure out whether or not the SRS systems (which control airbags and seatbelt pre-tensioners, etc.) have been set correctly or whether or not the vehicle has been restored to withstand a subsequent impact and absorb that impact and protect the occupants as designed by the manufacturer in the same manner as an undamaged vehicle? (4) Value. Has the including restoration of the subject vehicle to a value equal to the value of the vehicle just before impact?