Collision Repair Glossary

Deductible – The amount you as the insured are require to pay by your insurance policy. If you have a deductible, you will pay it to the repair facility after your vehicle’s repairs are completed.

Direct Repair Shop – The suggested or preferred collision repair shops of an insurance agency. The insurance company has a working relationship with the shop and has reviewed it to guarantee they meet minimum industry standards.

Total Loss – A vehicles is considered a total loss when the cost to repair the damage to the vehicle exceeds its current value. Your insurance adjuster will answer any questions you might have and explain settlement options.

OEM Parts – New parts manufactured by the carmaker.

Aftermarket Parts – New parts manufactured by a company other than the original carmaker.

Recycled Parts – Used parts salvaged from other vehicles.

Mini-Tort – A legal action that is specific to Michigan No-Fault losses. If the other party was at least 50% at fault for the accident and you don’t have collision coverage or a non-wavetable deductible, the at-fault party may be liable for up to $500 in damages not covered by your own insurance company.