CCC Insurance Claims & Documentation Flashcards

Which document serves as the primary written agreement between the repair shop and the vehicle owner authorizing repairs?

Answer: Repair authorization form

A repair authorization form is the legally binding document that grants the shop permission to perform work on the customer's vehicle.

What is a 'supplement' in the context of collision repair insurance claims?

Answer: A request for additional repair coverage discovered after initial estimate

A supplement is a formal request submitted to the insurance company for additional labor or parts costs found during the repair process beyond the original estimate.

When using CCC ONE estimating software, what does the term 'included operations' mean?

Answer: Tasks already factored into a labor time and not billed separately

Included operations are procedures considered part of a larger labor operation whose time is already built into the published labor time.

What is the purpose of photo documentation during the claims process?

Answer: To provide visual evidence of all damage for insurer review and dispute resolution

Photo documentation creates a timestamped visual record of all pre-repair damage, supporting the estimate and protecting both the shop and insurer from disputes.

Which of the following best describes 'betterment' in an auto insurance claim?

Answer: A cost-sharing charge when a repair improves the vehicle beyond its pre-loss condition

Betterment is a deduction applied by insurers when a repair or part replacement leaves the vehicle in better condition than before the loss, such as replacing worn tires.

What does 'subrogation' mean in the collision repair insurance context?

Answer: An insurer's right to recover claim costs from the at-fault party after paying the claimant

Subrogation allows an insurer who paid a claim to step into the insured's shoes and pursue recovery from the negligent third party responsible for the loss.