CCC Insurance Claims & Documentation Flashcards
6 cards from real CCC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 6 CCC Insurance Claims & Documentation flashcards as text
What is a 'direct repair program' (DRP) in the collision industry?
Answer: A partnership where insurers refer customers to approved shops with pre-negotiated rates
A DRP is a contractual relationship between an insurer and a repair facility that streamlines the claims process and guarantees work volume in exchange for adherence to insurer guidelines.
Which estimating method requires the shop to physically measure and identify each damaged component before writing the estimate?
Answer: Damage analysis method
The damage analysis method involves a thorough hands-on inspection of every damaged area before pricing, ensuring nothing is missed in the initial estimate.
What information is typically found on a vehicle's title that is relevant to the claims process?
Answer: Ownership history, lienholder details, and salvage or rebuilt brand status
A vehicle title confirms legal ownership, identifies lienholders who may need to be included on settlement checks, and discloses any prior salvage or rebuilt branding that affects value.
What is a 'total loss' determination based on in most US states?
Answer: When repair costs plus salvage value equal or exceed the vehicle's actual cash value
Most states use a total loss threshold formula where the vehicle is declared a total loss when repair costs plus salvage value meet or exceed the actual cash value at the time of loss.
Why must a collision shop document all 'prior damage' on a vehicle at the time of intake?
Answer: To avoid liability for pre-existing damage and ensure accurate claim settlement
Documenting prior damage protects the shop from claims that it caused pre-existing damage and ensures the insurer only pays for loss-related repairs.
Which labor category on a collision estimate covers the time to remove, install, or replace a part without any metal repair?
Answer: R&I or R&R labor
R&I (remove and install) and R&R (remove and replace) labor categories cover the time needed to detach and reattach or swap out parts as part of the repair process.