State Farm Independent Auto Exam

State Farm Independent Auto Exam Select Service Program Ans- In 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 Ans- Paintless 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 Ans- The 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 Ans- Estimates 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 Ans- We 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 Ans- Similarly, 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 Ans- Establishing 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 Ans- We will not knowingly violate that confidentiality by publicizing individual survey data to persons outside our organization Claims Summary Ans- State 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 determining whether certain operations are payable Non original equipment and recycled parts Ans- State Farm promises satisfaction to the vehicle owner when new non-original equipment and/or recycled parts are specified on an estimate that is written or approved by State Farm or a Select Service repair facility. The State Farm promise of satisfaction relative to non-original equipment or recycled parts does not replace any quality or warranty provisions we require from repairers, non-original equipment, or recycled part suppliers. The State Farm promise of satisfaction for non-original equipment and recycled parts extends to fit, corrosion resistance, and performance qualities Non-OEM Ans- Non-Original Equipment Manufacturer OEM Quality Ans- Used, rebuilt, or reconditioned parts must be of sufficient quality relative to the part being replaced Certified Crash Related Non-OEM Parts Ans- such parts are subject to certification standards developed by an organization approved by State Farm*: •Bumper components •Lighting components •Radiator supports/tie bars and associated mounting components •Outer sheet metal and plastic/composite parts The vehicle owner may request a new non-OEM crash part that is not certified. In this situation, we should pay the claim based on the part being utilized Non-OEM Delay Ans- No unusual delay must occur as a result of considering non-original equipment and/or recycled parts for use in repairs If Non-OEM and Recycled parts are used in estimates Ans- The vehicle owner should be notified when the prices of non-original equipment and/or recycled parts are included in the estimate as outlined in CPG 2700-275 If The non-OEM part is included on the list of suspended parts and not requested by the vehicle owner Ans- The estimate should not include such part (Part Does not have to be certified) (page 22) If the Vehicle owner requests a non-OEM part that is currently under suspension Ans- the estimate may include such part pursuant to certification requirements if the part is within one of the four categories requiring certification and CAPA or NSF has developed a certification standard.(In the absence of a certified part being available, a non-certified part may be used if requested by the vehicle owner.) If there are other non suspended non-OEM parts available Ans- the estimate may include such part pursuant to certification requirements if the part is within one of the four categories requiring certification and CAPA or NSF has developed a certification standard.(In the absence of a certified part being available, a non-certified part may be used if requested by the vehicle owner.) OEM Ans- Original Equipment Manufacturer CCF Ans- Coverage Confirmation Form ACM Ans- Auto Claim Manual PDR Ans- Paintless Dent Repair Auto Service Commitment Ans- customers with vehicle damage claims expect repairs to be completed properly, promptly, and at competitive prices Select Service Ans- designed to enhance customer service and increase efficiency in our claim operations ADSP Ans- Auto Damage Service Programs Auto Damage Service Programs - Discussion Information Ans- forms outline features and benefits available through our program and should be explained to the vehicle owner when we receive notice of the claim VIS Ans- Vehicle Inspection Sites Vehicle Inspection Sites Ans- drive-ins at either Select Service locations or State Farm office locations and are available in some areas AEI Ans- Auto Estimatics Inspectors Vehicle Inspection Site Appointment Ans- should be arranged for customers who have a drivable vehicle, and have either selected a non-program provider or prefer a cash settlement Paintless Dent Repair Ans- an industry recognized repair process that involves the removal of damage from metal exterior surface panels without disturbing the vehicle's finish EVRT Ans- Early Vehicle Routing Tool EFT Ans- Electronic Funds Transfer Competitive Bids Ans- process requires that two or more repairers submit competitive estimates or "bids" for a specific repair job PCPs Ans- Prevailing Competitive Prices Prevailing Competitive Prices Ans- the repairer information is used to determine labor rates and material pricing levels that reflect prevailing prices in that area; determined by analyzing information provided by repairers that meet the Equipment/Capabilities Criteria listed on the Repair Facility Survey form ICAR Ans- Inter-Industry Conference on Auto Collision Repair Inter-Industry Conference on Auto Collision Repair Ans- played an important role in developing vehicle repair procedures CAPA Ans- Certified Automotive Parts Association NSF Ans- NSF International New Non-OEM Parts Ans- manufactured by a company other than the manufactuer of the vehicle Recycled Parts Ans- parts which may have been previously installed on another vehicle; the use of these parts is an environmentally friendly effort to help preserve our natural resources ECS Ans- Enterprise Claims System PDF Ans- portable document format URL Ans- uniform resource locator QR Ans- Quick Response EC Ans- Estimatics coordinator VIN Ans- vehicle identification number DTC Ans- diagnostic trouble codes FP&B Ans- Feather, Prime and Block VIR Ans- Vehicle Inspection Report Liability Coverage Ans- You pay for the accidents you cause for the other driver, basic limits are 30/60/25. 30k each injured person, 60k total accident, 25k property damage. Collision Coverage Ans- Pays repair or replacement of your vehicle regardless of who's at fault. Must pay ACV minus the deductible. Comprehensive Coverage Ans- Pays for damage or loss of your vehicle other than an accident. Includes: Hail, Vandalism, flood, fire, and theft. Medical Payments coverage Ans- Pays for medical (sometimes funeral) expenses for you and others riding in your car. Also pays for you and family riding in another car or while walking. Personal Injury Protection (PIP) Ans- Compensation for you and passengers regardless of drivers fault. Limited to driver of or passenger of the insured vehicle. TEXAS SAYS THAT- Loss earning may be covered by PIP benefits. Simple-med pay benefits, do not include lost earnings. The limits of PIP in TEXAS are usualy: 2,500/5,000/10,000. Towing / Labor Ans- Pays for reimbursement for towing expenses. Uninsured Motorist Ans- Pays for damages to your car and bodily injuries that you sustain when hit by someone that doesn't have insurance. Hit and run