Paint Failure / Chalking:
This paint failure is typified by a white material coming through the painted surface.
Paint Failure / Cracking:
This paint failure is typified by cracks in the painted surface, not unlike the cracks seen at the bottom of a dried mud puddle.
Paint Failure / Fading:
This paint failure is typified by severe fade, and can occur in any color but is more pronounced in reds whereas the color may fade from red to pink or red to orange.
Paint Failure / Fish-Eye:
This paint failure is typified by a spot in the paint in the repaired area that resembles a fish eye. This is caused by contaminants on the vehicle’s surface.
Paint Failure / Hazing:
This paint failure is typified when a haze or fog-like substance surrounds a repaired area.
Paint Failure / Peeling:
This paint failure is typified by paint peeling off the surface of the vehicle, indicating a sever loss of adhesion. This could be caused by any number of problems, not the least of which is improper preparation of the surface to be painted, or a mismatch of paint and primer.
Paint-less Dent Repair:
A means of pulling a minor dent from a body panel that will not damage the paint and thus remove the need for post-repair refinishing.
Party (First Party, Second Party, Third Party):
In an insurance contract, the policyholder (and other people specifically named in the policy, such as family members) is the first party. The insurance company is the second party in the contract. Anyone else is a third party. If you are involved in an accident you are the first party and the other driver would be a third party.
Personal Injury Protection (PIP):
A coverage in which your own insurance company pays you for medical costs, lost wages, loss of essential services normally provided by the injured person (i.e. childcare, housekeeping), and funeral costs. It is usually associated with a no-fault auto insurance system. It can sometimes also cover your passengers and/or other types of expenses. Specific protections afforded by this type of auto insurance coverage and limits on PIP payments vary widely from state to state.
The coloring material in paint.
(also Pre-Loss Condition) – The condition of the vehicle immediately before it was damaged. This includes the restoration of:
a) the function of the vehicle and all its systems
b) the safety of the vehicle as designed by the manufacturer, including its ability to withstand and absorb subsequent impact and protect the occupants in the same manner as an undamaged vehicle
c) the appearance of the vehicle
The amount paid by an insured to an insurance company to obtain or maintain an insurance policy. Auto insurance premiums are quoted for either 6 month or annual policy periods.
The process of washing, degreasing and lightly abrading a panel prior to applying paint.
This is the chemical treatment of an unpainted metal surface prior to painting, to promote adhesion and corrosion resistance.
What your vehicle is mainly used for; pleasure, to and from work, business, commercial, or farm.
The first layer of a paint normally applied to an unpainted surface. It is designed to protect the substrate (bare metal) and promote adhesion of the top coat.
A pigmented material, sprayed onto a vehicle, which acts as a primer and also has “filling” properties which will fill small imperfection’s in the surface. After sanding of the primer/surfacer, a top coat of paint will be applied.
An undercoat which improves the adhesion of the topcoat, and which seals old painted surfaces to prevent bleed-through.
Principal Driver / Primary Driver:
The person who drives the car most often.
Property Damage Liability:
Pays for damage to the other driver's vehicle to the limit of your policy. There are three numbers when you buy liability coverage. They represent the liability limits (in thousands of dollars) for; per-person bodily injury, bodily injury for all persons injured in any one accident, and property damage liability. Most states require a minimum amount and insurance companies offer the option to purchase more. For example 25/50/15 means that your policy will pay up to $25,000 per person who is injured, up to a total of $50,000 for all injured in the accident and will pay up to $15,000 in property damage. If the cost of bodily injuries, or the cost of damage to property exceeds those amounts, you are responsible for the amount not covered by your insurance.