Automotive Damage Assessment & Estimation Flashcards
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Read the first 7 Automotive Damage Assessment & Estimation flashcards as text
When assessing hail damage on a vehicle, which tool is most commonly used to measure the size and depth of individual dents?
Answer: Dent depth gauge
A dent depth gauge allows adjusters to measure the precise depth of hail dents, which directly affects repair method selection and cost estimation.
A vehicle sustains front-end collision damage. Which hidden component failure is most critical to identify before finalizing an estimate?
Answer: Radiator support misalignment
Radiator support misalignment can affect structural integrity, cooling system function, and hood alignment, making it a critical hidden damage item in front-end collisions.
What does the term 'betterment' refer to in automotive damage estimation?
Answer: Deductions applied when new parts replace worn components
Betterment is a deduction from the claim payment when new parts replace worn or degraded items, preventing the insured from profiting by receiving a better-than-before condition.
In estimating software, what is the purpose of the 'included operations' list for a specific repair procedure?
Answer: It identifies labor times already bundled into the listed operation
Included operations are tasks already accounted for within a repair time so adjusters do not double-bill by adding them as separate line items.
When a vehicle's airbags deploy during a collision, which additional damage assessment step is mandatory?
Answer: Inspecting all airbag module mounts and seatbelt pretensioners
Deployed airbags require replacement of the modules and inspection of pretensioners, clock spring, and mounting hardware, all of which are safety-critical components.
A loss adjuster notes 'prior damage' on a claim vehicle. What is the correct handling procedure?
Answer: Document and exclude pre-existing unrelated damage from the current loss estimate
Pre-existing damage unrelated to the current loss must be documented and excluded so the insurer only pays for damage caused by the covered event.
Which estimating concept refers to the time required to perform a repair without accounting for any other procedures happening simultaneously?
Answer: Base labor time
Base labor time is the standalone time required for a specific repair operation before any overlap or time-saving adjustments are applied.