Motor - A-Z Scratch and Dents Cover Glossary

 

Appearance Allowance 

An agreed compensation from the insurance company for auto repairs not performed, sometimes appropriate for superficial damage.

 

Claimant

An individual is a claimant when he or she presents a claim against another party's insurance carrier.

 

Clearcoat

One or more coats of transparent (normally urethane-based) car paints that are an integral part of modern vehicle finishes. It is the clearcoat, which gives current production vehicles their gloss.

 

Deductible

The amount of a claim that is paid by the insured before insurance payment begins.

 

Hazardous Waste/Hazardous Material Charge

A charge assessed by many collision repair facilities to dispose of wastes associated with repairing your vehicle in an environmentally appropriate way. Some insurance companies refuse to pay this charge.

 

Insured

An individual is an insured in relation to one's own insurance carrier.

 

Paint & Materials

A charge for car paint products, and other materials, such as sandpaper and polishing pads, expended to repair your vehicle.

 

Paint Matching, Tinting, Blending

These describe various methods of ensuring that there is no perceptible difference between the appearance of newly refinished panels and undamaged panels on your repaired vehicle.

 

R & I

Remove and install. Sometimes parts need to be removed to gain access to repair or replace damaged ones, or to facilitate repair of the part itself. The part that is removed is reinstalled on your vehicle.

 

Sectioning

An auto body repair method in which only a portion of a damaged panel is replaced. It is sometimes a preferred method of auto body repair.

 

Subrogation

It is sometimes most expedient to have your insurance company initially pay to repair your vehicle and let them fight with the offending party's insurance over issues of fault. When one insurance company pursues another for payment, it is termed subrogation.

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