Material Damages

Question 1

Material Damage

Answer 1

Collision
Comprehensive
Property Damage
UMPD

Question 2

Conventional Frame(1 of 2)

Answer 2

two main subtypes

Ladder (trucks)

Perimeter (luxury)

Question 3

Unibody Frame (1 of 2)

Answer 3

not a separate frame that stands on its own

Question 4

Options for Damaged Parts

Answer 4

1 Appearance Allowance (typically older)(avoid total)

2 Repair

3 Replace

Question 5

Original Equipment Manufacturer
Part Replacement Types

Answer 5

Made by or built to the specifications of the vehicle manufacturer

Located in the CCC database

The most common replacement parts

The manufacturer sets the price

Sold through new vehicle dealerships

Sold at a discount to the repair industry

Sold typically as individual parts, not assemblies

Question 6

Aftermarket
(Part Replacement Types)

Answer 6

other than OEM

Question 7

Aftermarket
Part Replacement Types

Answer 7

Parts that are manufactured to the same general specifications of the OEM

Manufactured (and warrantied) by companies other than the OEM

Sold by vendors other than those that sell new OEM

Parts that are typically mechanical: Radiators, A/C Condensers, Alternators, etc.

Question 8

LKQ: Used OEM

Answer 8

like, kind, and quality

(1) recycled
(2) reconditioned
(3) remanufactured

Question 9

Recycled (LKQ-OEM)

Answer 9

Recycled parts come from existing vehicles

sold through independent recyclers who like to sell these parts as assemblies

Question 10

Reconditioned (LKQ-OEM)

Answer 10

incurred some but limited damage during usage

can be brought back to their former condition

Question 11

Remanufactured (LKQ-OEM)

Answer 11

used to the point they were worn out and had to be rebuilt before they could be used again

engine/transmission, etc

Question 12

Non-crash parts

Answer 12

mechanical

Question 13

Crash parts

Answer 13

sheet metal, bumper, etc.

Question 14

Single Paint

Answer 14

older, no clear coat, no metallic

Question 15

Base Coat/Clear Coat

Answer 15

provides surface appeal and protection

Question 16

Three Paint

Answer 16

3 layers of paint
paint - transparent - clear coat

Question 17

Two Tone

Answer 17

accent color

Question 18

Paint and Refinish

Answer 18

Paint and Refinish

Question 19

Painted Parts sometimes have to be blended

Answer 19

Painted Parts sometimes have to be blended

Question 20

Prior Damage

Answer 20

Rust?
Direction of impact?
Incomplete repairs?

Question 21

Depreciation (not paying)

Answer 21

decrease in value of the vehicle, or part of the vehicle due to wear and tear, or obsolescence.

Question 22

Betterment (not paying)

Answer 22

a newer part is put on the vehicle than what the customer had, they would be in a better position

Question 23

MOI

Answer 23

Method of Inspection

Question 24

Methods of Inspection

Answer 24

MyClaimPics (MCP)

Field Claims Representative (FCR)

Direct Repair Program (DRP) / Good Hands Repair Network (GHRN)

Estimate-in-Hand (should only be used if client has estimate and in hand)

Independent Adjuster (IA) (Manager approval)

Question 25

MyClaimPics (MCP)

Answer 25

(MOI) Virtual estimate system (common) Smartphone No hail No undercarriage damage Drivable No more than 4 panels of damage Opted into text messages

Question 26

Field Claims Representative (FCR)

Answer 26

(MOI) FCR's are company employees who appraise damaged property

Question 27

Direct Repair Program (DRP) / Good Hands Repair Network (GHRN)

Answer 27

(MOI) a network of over 1,000 body shops across the country with which we have a business relationship write their own estimates

Question 28

Estimate-in-Hand (should only be used if client has estimate and in hand)

Answer 28

(MOI) only recommended if customer already has an estimate in hand and supporting photos under $5,500

Question 29

Independent Adjuster (IA) (Manager approval)

Answer 29

(MOI) last resort Independent Adjuster is hired by the insurance company to complete a specific task, such as appraise damaged property, for a fee. They are not company employees and work independently, usually for several insurance companies

Question 30

CAAP

Answer 30

Claims Appraisal Advisory Platform every claim requiring inspection

Question 31

Teardown

Answer 31

take car apart and examine possibly close to total

Question 32

Total Loss

Answer 32

cost far more to repair the vehicle than to simply reimburse the value of the vehicle at the time of loss NatGen threshold 85% NC/VA 75%

Question 33

TLU

Answer 33

Total Loss Unit

Question 34

Storage cutoff

Answer 34

if car is in storage yard customer and tow yard only paying storage up to this day (5days)

Question 35

In Storage Destinations

Answer 35

Residence Body shop of choice (repairable) Ours - Copart (total loss)

Question 36

Quick Move

Answer 36

"you might want to look at where this vehicle is" might be accruing storage

Question 37

Control Expert

Answer 37

3rd party Approves advanced charges

Question 38

Diminished Value (DV) *NOT the same as Depreciation

Answer 38

the damages can impact the resell of the car only claimant Age Mileage Damage Type of damage prior damage

Question 39

Rental Best Practices

Answer 39

Verify if the vehicle is drivable (Mon or Tue appointment - call me Fri before, setup rental) vehicle is not drivable set the initial rental for 2-3 days and monitor to make sure we get everything we need drivable, advise customer and shop -day available -best days to drop their vehicle off -what to do if a possible extension is needed total loss offer made rental not extended beyond 7days negotiate with the shop if the rental days authorized is exceeded consider the appropriate size rental for each customer insists on a larger vehicle for preferential reasons, explain they can pay difference active diary and monitor the ongoing repair process with the body shop

Question 40

3 Ways Handle Rentals

Answer 40

Direct Billing Reimbursement Cash Out

Question 41

Calculating Days to Repair

Answer 41

Units (hrs.)/3.5

Question 42

R&I pertaining to damages

Answer 42

remove and install *undamaged part removed to replace a damaged part

Question 43

Subl

Answer 43

sublet different facility

Question 44

Know the location

Answer 44

Storage fee? Need inspection FCR needs to know