State Farm Independent Auto Exam
Questions and Answers Latest Edition.
Select |Service |Program |- |ANSIn |some |market |areas, |repairers |have |been |selected |to |
participate |in |State |Farm's |Select |Service |Program. |The |program |is |designed |to |enhance |claim |
service, |increase |efficiency, |and |afford |customers |an |opportunity |to |select |qualified |repairers |
to |inspect |and |estimate |vehicle |damage
Paintless |Dent |repair |- |ANSPaintless |Dent |Repair |(PDR) |is |an |industry |recognized |repair |process
|that |involves |the |removal |of |hail |dents |or |other |types |of |damage |from |metal |exterior |surface |
panels |without |disturbing |the |vehicle's |finish. |In |most |cases, |this |procedure |involves |the |use |
of |specialized |tools |to |apply
pressure |to |the |backside |of |the |panel |to |remove |surface |imperfections. |Other |techniques |may |
be |used |to |repair |damage |from |the |topside |of |the |panel, |depending |on |the |size |and |location |
of |the |damage. |
By |using |either |of |these |techniques, |the |technician |is |able |to |restore |panel |appearance
which |eliminates |the |need |for |refinishing |the |panel's |surface |area. |The |PDR |process |is |often |
used |to |repair |hail |damage |or |other |similar |dents |that |occur |when |an |outer |panel |strikes |(or |is
|struck |by) |an |object |that |has |not |compromised |the |finish |of |the |panel. |Since |the |outer |finish |
of |the |panel |has |not |been |disturbed, |it |eliminates |the |refinishing |process
and |may |allow |for |repairs |to |be |completed |in |a |more |timely |and |cost |effective |manner.
Determining |Repair |Costs |- |ANSThe |prices |we |pay |for |most |repair |operations |will |be |
determined |from |printed |or |electronic
collision |estimating |guides |and |repair |facility |survey |results. |However, |it |is |not |possible |to
determine |the |cost |of |every |repair |operation |from |these |sources. |For |example, |when |
estimating |a |sheet |metal
, or |other |repair |operation, |the |labor |estimate |is |based |on |judgment |time. |When |estimating |
judgment |time, |it |should |follow |what |is |competitive |in |the |local |market |to |repair |the |vehicle |in
|a |quality |manner.
Estimats |are |based |on |- |ANSEstimates |written |or |approved |by
State |Farm |are |based |on |labor |rates |and |repair |costs |not |to |exceed |what |is |charged |by |a |
majority |of |the |repair |market |in |a |given |area.
Contracts |with |repairers |- |ANSWe |do |not |enter |into |contracts |with |repairers |on |individual |
repair |jobs |on |a |fixed |or |"contract" |repair |job |basis. |We |pay |for |the |estimated |cost |of |repair |
based |on |physical |damage |caused |as |a
result |of |the |loss.
Freight |Charges |- |ANSSimilarly, |if |freight |charges |are |submitted |to |State |Farm |for |payment, |
payment |should |normally |be |resisted. |Freight |charges |are |not |considered |as |part |of |actual |
repair |costs |and |are |generally |aligned |with |an |expense |a |repairer |or |dealership |may |incur |as |a |
result |of |operating |the |repair |facility |business. |If |a |circumstance |arises |that |may |warrant |
additional |consideration, |local |management |should |contact |their |assigned |Estimatics |
consultant.
Minimum |Cost |- |ANSEstablishing |minimum |costs |or |authority |levels |can |provide |a |realistic |
measure |of |repair |costs |for |items |such |as |the |number |of |hours |allowed |for |a |complete |refinish
|job, |material |costs, |or |similar |items.
Publication |of |survey |information |- |ANSWe |will |not |knowingly |violate |that |confidentiality |by |
publicizing |individual
survey |data |to |persons |outside |our |organization
Claims |Summary |- |ANSState |Farm |will |pay |claims |based |upon |reasonable, |competitive |prices |
for |repairs |necessary |to
repair |the |vehicle |in |a |quality |manner. |The |policy |contract |and |law |of |damages |will |assist |us |in
Questions and Answers Latest Edition.
Select |Service |Program |- |ANSIn |some |market |areas, |repairers |have |been |selected |to |
participate |in |State |Farm's |Select |Service |Program. |The |program |is |designed |to |enhance |claim |
service, |increase |efficiency, |and |afford |customers |an |opportunity |to |select |qualified |repairers |
to |inspect |and |estimate |vehicle |damage
Paintless |Dent |repair |- |ANSPaintless |Dent |Repair |(PDR) |is |an |industry |recognized |repair |process
|that |involves |the |removal |of |hail |dents |or |other |types |of |damage |from |metal |exterior |surface |
panels |without |disturbing |the |vehicle's |finish. |In |most |cases, |this |procedure |involves |the |use |
of |specialized |tools |to |apply
pressure |to |the |backside |of |the |panel |to |remove |surface |imperfections. |Other |techniques |may |
be |used |to |repair |damage |from |the |topside |of |the |panel, |depending |on |the |size |and |location |
of |the |damage. |
By |using |either |of |these |techniques, |the |technician |is |able |to |restore |panel |appearance
which |eliminates |the |need |for |refinishing |the |panel's |surface |area. |The |PDR |process |is |often |
used |to |repair |hail |damage |or |other |similar |dents |that |occur |when |an |outer |panel |strikes |(or |is
|struck |by) |an |object |that |has |not |compromised |the |finish |of |the |panel. |Since |the |outer |finish |
of |the |panel |has |not |been |disturbed, |it |eliminates |the |refinishing |process
and |may |allow |for |repairs |to |be |completed |in |a |more |timely |and |cost |effective |manner.
Determining |Repair |Costs |- |ANSThe |prices |we |pay |for |most |repair |operations |will |be |
determined |from |printed |or |electronic
collision |estimating |guides |and |repair |facility |survey |results. |However, |it |is |not |possible |to
determine |the |cost |of |every |repair |operation |from |these |sources. |For |example, |when |
estimating |a |sheet |metal
, or |other |repair |operation, |the |labor |estimate |is |based |on |judgment |time. |When |estimating |
judgment |time, |it |should |follow |what |is |competitive |in |the |local |market |to |repair |the |vehicle |in
|a |quality |manner.
Estimats |are |based |on |- |ANSEstimates |written |or |approved |by
State |Farm |are |based |on |labor |rates |and |repair |costs |not |to |exceed |what |is |charged |by |a |
majority |of |the |repair |market |in |a |given |area.
Contracts |with |repairers |- |ANSWe |do |not |enter |into |contracts |with |repairers |on |individual |
repair |jobs |on |a |fixed |or |"contract" |repair |job |basis. |We |pay |for |the |estimated |cost |of |repair |
based |on |physical |damage |caused |as |a
result |of |the |loss.
Freight |Charges |- |ANSSimilarly, |if |freight |charges |are |submitted |to |State |Farm |for |payment, |
payment |should |normally |be |resisted. |Freight |charges |are |not |considered |as |part |of |actual |
repair |costs |and |are |generally |aligned |with |an |expense |a |repairer |or |dealership |may |incur |as |a |
result |of |operating |the |repair |facility |business. |If |a |circumstance |arises |that |may |warrant |
additional |consideration, |local |management |should |contact |their |assigned |Estimatics |
consultant.
Minimum |Cost |- |ANSEstablishing |minimum |costs |or |authority |levels |can |provide |a |realistic |
measure |of |repair |costs |for |items |such |as |the |number |of |hours |allowed |for |a |complete |refinish
|job, |material |costs, |or |similar |items.
Publication |of |survey |information |- |ANSWe |will |not |knowingly |violate |that |confidentiality |by |
publicizing |individual
survey |data |to |persons |outside |our |organization
Claims |Summary |- |ANSState |Farm |will |pay |claims |based |upon |reasonable, |competitive |prices |
for |repairs |necessary |to
repair |the |vehicle |in |a |quality |manner. |The |policy |contract |and |law |of |damages |will |assist |us |in
