Chris Medine

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How is My Auto Insurance Company "Steering" Me?

Posted by Chris Medine on Mar 20, 2019 10:57:26 AM

insurance steeringSteering and cars go hand-in-hand, but steering and your auto insurance provider should not.  While steering your vehicle can keep you on course, being steered by your insurer can lead you down a path of lower quality auto body repairs. 

What is Auto Insurance “Steering”?

When your car insurance company “steers” you, they are directing you toward a chosen body shop where they would prefer your repairs be completed.  These are known as Direct Repair Programs, or DRPs.  While you have the right to choose any collision center you would like, there are certain tactics that your insurer may use to encourage the choice of a DRP.  This may include claims that the work will be completed more quickly at a DRP or that they will not guarantee the work of a non-DRP shop.  These classic steering techniques are just a couple of those used to ensure you choose their preferred shop and save them money as a result.

What are Direct Repair Programs?

An auto body shop who participates as a DRP has entered into an agreement with insurance providers.  For the shop and insurance company, this relationship can be mutually beneficial to both businesses.  Insurance companies send the body shop business, and the body shop provides repairs within a negotiated budget.  In fact, the only party who does not stand to benefit from a DRP relationship is the consumer.

Why Do Car Insurance Companies “Steer” Clients?

Although DRP repairs often mean lower levels of quality and safety, insurers continue to maintain these relationships for one simple reason: profit.  By negotiating lower rates for parts and labor with a DRP participating shop, the company can be certain to keep their costs low and minimize the impact auto body repairs have on their bottom line.  Unfortunately, in order to meet these budget guidelines, collision centers will then turn to lower quality parts and hastily performed repairs.

How Does Auto Insurance “Steering” Hurt Clients?

You pay for car insurance and auto maintenance in an effort to keep your vehicle in good working order and to help ensure the safety of yourself and your passengers.  When an insurer steers you to using a shop that they know values quantity over quality, they are taking away the reliability of your vehicle and impeding your own safety as a driver. 

Steering and the related consequences are perfect examples of why it is so important for drivers to exercise their right of choice.  Regardless of what your insurance company may say, you have the right to choose all of your providers, from towing company to body shop, following an accident.

In Baton Rouge, Medines Collision Center is the auto advisor you can trust.  We have decades of experience in auto body repair and insurance negotiations.  We are familiar with their many steering tactics and refuse to participate in any type of DRP.  Instead, we believe quality repairs and consumer education are the best gifts we can give our clients.  

know your rights guide

Topics: Insurance

Insurance Photo Apps: The Hidden Dangers

Posted by Chris Medine on Mar 15, 2019 10:22:00 AM

Closeup of female hand using a smart phone. Shallow depth of fieldYou’ve probably always heard that you should take pictures of your vehicle’s damage immediately following an accident.  It’s a logical step in a defined process that consists of claims adjusters, insurance companies, and body shops.  Today, however, some insurers are attempting to circumvent certain steps in this process by rolling those consumer photos and the adjuster’s job all into one.

 

How do Insurance Photo Apps Work?

Photo apps are among the latest products promoted by auto insurance companies.  Along the lines of self-service car washes and self-checkouts at the grocery store, these apps are putting responsibility directly into the hands of consumers.  Rather than sending out an insurance adjuster to assess the damage and engage with your collision center in a dialogue surrounding your vehicle and repairs, these apps allow consumers to upload their photos directly and receive claim estimates and even checks based on the images.

What’s the Problem with Insurance Photo Apps?

Unfortunately, unlike your grocery store’s self-checkout, insurance photo apps can end up being not only less convenient, but costly in the long run.  It is impossible for anyone to fully assess the damage and associated cost of a vehicle through photos or video alone.  Not only does the average driver not know exactly what damage to look for, there is often underlying damage that is unknown until parts of the car are removed. 

Most frightening, some unaware consumers accept claim settlements based on their photos.  Once your claim is settled, you have forfeited the ability to get a larger payout, even if your vehicle’s damage is determined to be more extensive and costly once in the shop.

Your Auto Insurance Rights

Even if your insurer provides products such as photo apps, you are not obligated to use them.  You have the right to have your vehicle seen by an adjuster and to negotiate your claim, just as you have the right to choose your own collision center.

At Medines Collision Center, we encounter insurance tactics to lower claims daily.  We understand all the ins and outs of the process, as well as what a quality repair of your vehicle will actually cost.  If you feel intimidated or unsure about the claims process following an accident, let us be your advisors.  Contact Medines to learn more about what we can do to help.

Medines Free Estimate

Topics: Insurance

5 Surprising Factors that Affect Car Insurance Rates

Posted by Chris Medine on Feb 26, 2019 12:05:39 PM

5 surprising factors that affect car insurance ratesPurchasing car insurance is a major component of owning a vehicle. Not only does it help protect you and your assets in the event of an accident, it’s also required by law.  Still, that doesn’t make paying those premiums any easier, particularly in Louisiana, where they are 56 percent higher than the national average. 

As it turns out, there are several factors that go into determining just how much protecting your vehicle will cost you, some of which are beyond your control. Read on to find out what might be factoring into your rate and what you can do to lower costs.

Gender, Age, and Car Insurance Rates

Younger people – those in their teens and early twenties – tend to have higher car insurance rates because of their lack of experience behind the wheel and higher risk of being involved in an accident. Young males are statistically involved in accidents more often than their female counterparts; therefore, their rates are higher. However, older men generally have better rates than older women. Some evidence suggests that older women get into more accidents than men, though the difference isn’t significant.

Marital Status and Auto Insurance

Married couples tend to get into fewer accidents than singles; therefore, getting married could significantly lower your rate if you have a clean driving history. If you are a man who has never gotten into an accident, you could see your rate almost cut in half.

Credit Score Impact on Car Insurance

Your credit score can also be used to determine your car insurance rate. In general, lower credit scores mean higher insurance premiums and higher scores mean lower premiums.  This can be attributed the perceived financial risks associated with a lower credit score.

Vehicle Size and Insurance Cost

Larger vehicles are more likely to provide protection in the event of an accident. If your car has a good safety rating, the premium is most likely much lower than that of smaller cars. Cars with larger engines relative to their size will generally have much higher premiums as well.

Car’s Age and Insurance Premiums

Older cars are likely to require an expensive amount of repairs in the event of an accident. Most people opt to buy a new vehicle instead of shelling out more money than the older car is worth. Because of this and the fact that newer cars are not as likely to be ‘totaled,’ new cars generally have much higher collision rates.

Regardless of the premiums associated with your own auto insurance, the end goal is always the same: to keep you safe on the road.  At Medines Collision Center, we are experts in not only auto body repair, but auto insurance and claims.  If you’ve been in an accident and are overwhelmed by the process, we can help!

 

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Topics: Insurance

3 Key Considerations for Auto Frame Repairs

Posted by Chris Medine on Jan 29, 2019 4:59:00 PM

Auto Frame Repair in Baton RougeThough no one wants to see it happen, there are times when damage from an accident goes all the way to your vehicle’s core. Also called the chassis, your car’s frame is essentially its skeleton. It is what everything else is built upon. So, when seeking auto frame repairs in Baton Rouge, you should seek a shop that offers experienced technicians, computerized measuring equipment, and trustworthy advice.

Experienced Technicians for Auto Frame Repairs

Let’s start with the experienced technicians. Everything in your vehicle starts with the frame and works its way out. If anything is wrong with the repair of the frame, that error will trickle down to every other stage of repair. So, you need someone who can know from the outset if the damaged frame can be bent or stretched back into place, needs to have a section replaced, or needs a whole new frame. We have been asked before why everything can’t just be bent back to the way it was. The answer is, when metal bends or gets mangled, it may stretch as well. When this happens, it can’t be squeezed or contracted back to its previous shape without affecting the integrity or stability of it. This means the frame would be less sturdy in the event of a future accident. There are also crumple zones to consider. A car’s uni-body frame is built with crumple zones in mind as a way to absorb the impact in a manner that protects the passengers. An experienced technician can spot the difference and respond accordingly.

Computerized Measurements for Auto Frame Repairs

You’ve heard the old carpentry phrase, “measure twice, cut once.” Well, it means even more when it comes to frame work. Everything from gas mileage to passenger safety is literally and figuratively riding on your vehicle’s frame. If you don’t start with a computerized frame machine to make accurate measurements, you run the risk of throwing off your car’s alignment, aerodynamics, or the crumple zones we previously mentioned.

Advice for Auto Frame Repairs

 This brings us to trustworthy advice, which is just as important as making sure the repairs are done right. Why? Because when it comes to frame work, you need a body shop that will be up front and honest about the course of action that is needed. A new frame is a very expensive and labor intensive process. If your vehicle needs frame work as the result of an accident, it is almost guaranteed that there is other work needed as well. This means that if you have a later model vehicle of a more economical vehicle, the likelihood that your car will be totaled goes up. A car is totaled when the estimated cost of damages exceeds 75% of the National Automobile Dealers’ Association (NADA) value of the vehicle.

Right off the bat, this means that if you have a vehicle worth less than $40 thousand, it will probably be totaled. The reason this falls back on trustworthy advice is that if your car probably should be totaled, you don’t want to run the risk of a mechanic quoting a rate that is below 75% only to go back later an attempt to add additional charges. This will lead to headaches with your insurance company and drag out the process of getting you back on the road in a new vehicle.

 From the labor intensive side of a new frame, it is a very long process. First, there’s getting the new frame. This isn’t something that can be handled by the Postal Service, UPS of FedEx. Once the new frame is on site, the work has only just begun. Many customers like to check in on their vehicle throughout the repair process, and generally, that’s a good thing. But, in the case of a new frame, we advise against it. At Medines, we remind our customers that your car is going to “look worse before it looks better.” Seeing your vehicle before its ready, or even far enough along in the process, can be disheartening. That means, you need to trust that the shop fixing it is doing their job. We understand this is an enormous level of trust, and we go to great lengths not to betray that trust.

 When faced with needing frame work, we know and understand everything that goes into repairing the frame. We know that every repair we do to the body and every other piece inside starts with getting the frame right. We also understand that this is a very stressful time for you, having just been in an accident. That is why we treat it with the utmost importance to either get you back on the road in your vehicle’s pre-accident condition, or help you through the process of having your car totaled so you can be on your way to a new vehicle.

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Renting a Car After an Auto Accident: What You Should Know

Posted by Chris Medine on Jan 25, 2019 10:39:00 AM

renting a car after a wreck

The days, weeks, and even months following a car wreck can be a difficult time.  There are insurance matters to sort through, vehicles that need to be repaired, and possibly even medical appointments and bills that must be taken care of.  The added strain can be a lot to handle, especially when left suddenly without transportation. 

Of the millions of accidents that occur each year, many require extensive repairs,  with between 15 and 20% being declared a total loss.  For the motorists who find themselves in this situation, the additional time without a vehicle leaves them with few other options than a rental car.  However, determining how to get a rental and the associated cost may not always be clear.  Here is what you need to know before securing your rental:

Will My Insurance Cover the Cost of My Rental?

If you have opted in for rental reimbursement coverage through your auto insurance provider, you will be covered up to a set daily allotment for a rental car.  In some cases, you may find that your insurance company has an agreement with a particular rental car facility.  This does not require you to use them.  Much like where you choose to have your car repaired, the choice of what company to use for your rental is up to you.  If you find that your insurance company’s recommended provider is unable to get a rental to you in a timely manner, you have the right to choose another.  

If the accident was the fault of another party and you do not have rental reimbursement coverage, the insurance of the at-fault driver will be responsible for your rental car.  To authorize this rental, the insurance company will first determine liability, a process which could take several days.

 How Long Can I Keep My Rental Car?

This is determined by the company paying for your rental car.  Typically, the car is available to you until your repairs are completed.  If your car is determined to have been totaled, most companies will allow you to keep the rental for up to five days after your settlement offer has been accepted.

 What Do I Need To Obtain a Rental Car?

In order to obtain your rental, you should bring in your insurance coverage which, depending on your policy, may prevent you from having to buy insurance directly from the rental company.  You will also need a valid form of payment such as cash or credit and your driver’s license.

The time following a car wreck can be incredibly stressful and confusing.  Many aren’t aware of what steps to take next and how to ensure that they handle all aspects of the situation appropriately.  By leaving your vehicle in the capable hands of a collision repair center like Medines Collision Center, you can be confident in the quality of repairs and honesty of your technician.  Furthermore, by educating yourself and understanding how to secure a rental car, there will be no need to worry about transportation while your repairs are being completed.

If you have been in an accident, remember that you have the right to choose where your car is taken for repairs.  Medines is a leader in collision repair in Baton Rouge and the surrounding areas, and our trustworthy and knowledgeable team of experts is here to help.  

know your rights guide

Topics: Insurance

Who Provides the Warranty for Collision Repair?

Posted by Chris Medine on Dec 6, 2018 4:27:00 PM

who provides warranty of collision repair

We’ve written previously about the relationship that many auto repair shops have with particular insurance companies.  This relationship, known as a direct repair program (DRP), is one in which your insurance company and collision center may both benefit.  You, however, may not.  Ultimately, the goal of the insurance company will be to keep costs as low as possible.  The shops which agree to work with them on their terms are rewarded by having motorists steered their way by the insurance provider following an accident. 

The tactics used to convince a driver that the DRP shop is the best option may vary, but there are some which remain fairly consistent.  One of the most common misconceptions that policyholders have after speaking with their insurance company is that their repairs will not be covered under warranty if they do not choose a DRP facility.  This may play as a deciding factor for some when choosing where to have their vehicle repaired.  However, the simple fact is that your insurance company will not warranty your repairs, only pay for them. 

Collision Centers Provide Their Own Warranty

Reputable repair facilities take pride in their work and stand behind it.  Shops such as Medine’s Collision Center who do not enter into DRP relationships with insurance companies are solely focused on and held accountable by the consumer.  Customers will not find these facilities through their insurance companies but rather through recommendations based on their reputation, customer service, and commitment to quality.

This type of shop will not only provide high levels of customer service, complete in-house repairs, and an in-depth knowledge of insurance policy and procedure, they will also completely guarantee their own repair work.  As we mentioned before, the insurance company will not provide the warranty of any repair parts.  Instead, it is the responsibility of the repair provider to guarantee their own work.  Facilities like Medine’s Collision Center will provide a lifetime written warranty for your repair and guarantee your satisfaction.

When you find yourself in need of collision repair services, keep in mind that you have a choice for your auto body repair.  Your insurance company must allow you to take your vehicle to the shop of your choice and still pay for the repair as dictated by your policy.  If you choose a shop outside of their DRP network, you will not be sacrificing the warranty of your repair.  Simply choose a reputable facility that is dedicated to their work and your satisfaction.

If you are currently seeking an auto body repair specialist, call Medine’s Collision Center.  We believe in the highest level of customer service and quality repair, and we can help you navigate confusing insurance processes.  Call us at (225) 357-7983, or click here to request a free estimate

If you would like to learn more about Medine’s, click the image below to learn “10 Reasons to Choose Medine’s Collision” with our free guide.

10 reasons to choose medines

Topics: Collision Repair

How to Care for Your Car's Battery & Why it's Important

Posted by Chris Medine on Nov 16, 2018 12:52:00 PM

car battery maintenanceIf you’ve ever needed someone to “jump” your car, then you know the importance of a car battery. It provides electrical power to most elements on your vehicle – seat heaters, brake lights, starter motor, and more. The need for a new battery can place you in a costly and urgent situation. While all batteries will eventually die, there are a few things you can do increase its longevity.

Preserve the Life of Your Car Battery

When parking and turning off your car, do not leave any lights on or electronics plugged in, as that will drain your battery. As temperatures drop, run your car for at least 30 minutes every day to charge the battery. On the other hand, when spring arrives, it is smart to bring your battery in to be checked to see if any damage has resulted from the winter. Parking your car in cooler temperatures, even if that just means choosing a shadier spot, is better for the battery than warmer ones, especially during the peak of summer. Batteries are more susceptible to corrosion in the heat, therefore it is wise to have your battery checked before any long summer trips!

Maintaining Your Car Battery

Cleaning your battery regularly can also increase its lifespan. Whether you clean it yourself or hire the help of a professional, there are certain steps to take to ensure safety and success. Make sure to wear protective eyewear, take off all jewelry, and keep the area smoke-free. The first step is to clean and inspect the case by wiping it with paper towels and a mild detergent. Next, check the electrolyte level. If the level is low, distilled water can be added. When checking the terminals, if corrosion is present, combine equal amounts of baking soda and water to clear out the corrosion and then rinse with water.

Removal and installation of the battery can be a bit trickier. Remember to always remove the cable from the negative battery terminal first and then the positive and to install them the opposite way – with positive cable first and then negative. It is important to note that some vehicles lose most presets and program memory upon the removal of the battery. It is best to consult your owner’s manual beforehand.

Though keeping up with these do-it-yourself preventative actions helps to increase the life of your battery, it is still advisable to have an automotive service professional step in to test your vehicle’s battery at least once a year. If your starter motor starts to slow down when cranking the engine, your car’s headlights become dimmer, or the battery waning lamp is on, take it in for a check, as it most likely needs to be replaced soon.

At Medines Collision Center, we care about your safety and that of your vehicle.  This includes advising on any steps you can take to keep your vehicle road-worthy and prevent a potential accident.  However, in the unfortunate event that an accident does occur, we are here for that too.  Contact our office with any questions and to request a free repair estimate.

 10 reasons to choose medines

 

Post-Collision Repair Checklist: Tips from a Baton Rouge Body Shop

Posted by Chris Medine on Oct 29, 2018 1:32:00 PM

repair checklistNo matter which collision center you choose to handle your repair, it is always wise to inspect the finished work and thoroughly review the bill before leaving the body shop. At Medines Collision Center, we make every effort to ensure that your repair is exceptional. We want to ensure that your car looks, feels, and drives as you expect.  However, we also firmly believe that consumers should be fully prepared no matter which collision center they choose.  For that reason, we’ve compiled a helpful checklist of steps to take when receiving your newly repaired vehicle, whether from Medines or any other collision center.  Following these steps will help ensure that you not only understand your car’s repairs, but that they have also been done well.

Inspect your auto repair bill for accuracy and completion 

Always inspect the repair bill at the time of pick up. It should reflect all structural repairs made, frame and alignment spec sheets, and parts used in the repair process. Additionally, the bill should include an itemized list of parts and types of parts installed (used, aftermarket, rebuilt, or factory). 

Inspect Your Newly Repaired Vehicle 

Always inspect the physical condition of the vehicle. The key area of focus will obviously be the areas of the car that were repaired.  Make sure the doors, hood, and truck open and close smoothly, and compare the panels on either side of the vehicle.  Take note of how they fit against the body and if there are any sizeable gaps.

Inspect Auto Body Paint 

Always inspect the painted panels. Make sure the paint matches with the rest of the body and there are no obvious differences. Check for dust and imperfections by inspecting the paint at an angle. The paint should be smooth and perfect. A great suggestion is to park the vehicle in different lighting, such as sunlight, where visibility may be heightened.

Additionally, it is wise to check non-painted areas for any spots that may have been "over-painted.” Check the windows, body side moldings, rims, chromed panels, and any other areas that should not have been painted. If the paint job was done properly, these items would have been masked or removed before painting.

Inspect the Vehicle’s Electrical Parts 

Always check the electrical parts of a newly repaired vehicle. It is a good idea to ensure that the taillights, side markers, turn signals, and other electrical components are working properly. Sometimes, as items are removed and replaced in the repair process, wiring can be disconnected or severed. If it worked before you brought it in, then you want to make sure it still is, especially if a panel has been removed. If a battery has been removed in the repair process, your radio may be turned off and you may need a security code to get it working again. Try and spot any electrical hassles before leaving the collision center.

If you find a problem after you’ve taken your car home, be sure to get it back to the shop immediately. The longer you wait, the less likely that body shop will take your concern seriously.  

When it comes to collision repair in Baton Rouge, there are many different options. At Medines Collision Center, we frequently inspect the work of other shops on behalf of customers and sometimes repair the mistakes made by others.  Our only concern is that your repairs were done safely and properly. If you have concerns regarding the workmanship on your vehicle, please call or stop by for a full inspection. 


Medines wreck check

 

Topics: Collision Repair

Choosing a Collision Center: 4 Factors to Consider

Posted by Chris Medine on Oct 25, 2018 1:13:00 PM

what you should know about collision repair

Being in an accident is a frightening and traumatic experience.  While your vehicle may have sustained serious damage, there is far more involved that simply repairing your car.  There are insurance claims, police reports, and often doctor visits and medical bills.  All of these things require your time and attention to ensure that you are able to reach a positive outcome for yourself or your loved ones. 


During this time, one of the most important decisions you will make comes while choosing a collision center.  It’s an important decision and one that can have long-lasting implications, but during a time of such confusion, it can be difficult to know if you’ve chosen wisely.  Can I trust them?  Will they do a good job?  How long will it take?  These are all legitimate questions and ones that will likely run through your mind.  Hopefully, this is not a decision that you will have to make often, but when and if you do, there are some points to consider which can mean the difference between a quality repair and even more headache:


You Have the Right to Choose Your Collision Center

The choice of which auto body repair facility to use is too often dictated by the insurance provider.  Drivers don’t normally question the intentions or recommendations of their insurance company and will send their vehicle to whoever is recommended.  Yet, this often results in a less than quality repair.  Insurance companies have relationships with collision centers as part of their direct repair program (DRP) throughout the nation.  They send these shops repair work, and in turn, the shop helps them cut costs, often through the use of subpar parts.  It will typically be in the best interest of the driver to choose a shop with no DRP affiliation.  By doing so, they ensure that the collision center is responsible only to them and not to their insurance provider.


Auto Body Shops Will Provide Their Own Warranty

As a tactic to persuade drivers to choose a DRP facility, the insurance company may lead you to believe that they will not warranty your repair if done elsewhere.  The truth is that it is the collision center, not the insurance company, who will provide the warranty.  Look for a center that offers a lifetime written warranty and guarantees your satisfaction with their work.


Using Aftermarket vs. OEM Parts for Auto Body Repair

Whether your repair is done with aftermarket or original manufacturer (OEM) parts can have a huge impact on quality.  OEM parts are those that were originally made for your particular vehicle.  These parts will typically be higher quality and offer the ability to provide a seamless repair.  Because these parts are patented and not able to be exactly duplicated, aftermarket parts may be comparable, but will never be exactly the same.  The less than perfect fit and thinner metal used to manufacture these often equals a repair that is less safe.  For your protection on the road, always ensure that your vehicle is repaired using only OEM parts when available.

Auto Body Shop Reputation Matters

Collision centers who have built a strong reputation within your community have likely done so by adhering to the standards listed above.  They will pride themselves on putting the client first, using the highest quality materials, and backing up their work.  If you have consistently heard the name of a particular auto body repair facility as the best, it is likely a safe bet that you will be in good hands.


At Medines Collision Center in Baton Rouge, we strive to provide our clients with the highest levels of customer service and auto body repair.  Here you will find a friendly and accommodating staff, lifetime guarantees of our work, and the best possible parts available to fix your vehicle.  Most importantly, we answer only to you, our customer.  As a shop that does not participate in DRPs, our priority will never be anyone other than our clients.


If you have been involved in an accident and would like an estimate of repair, contact our office by clicking here or calling us directly at (225) 357-7983.  To learn more about your rights following an accident, click the image below, and download our free and informative guide.

10 reasons to choose medines

Topics: Collision Repair

Your Go-To Glossary for Auto Body Repair Terminology

Posted by Chris Medine on Sep 28, 2018 11:18:00 AM

auto body glossaryEvery industry is guilty of it.  We have our own jargon that becomes so familiar to us that we can sometimes take for granted that it is completely foreign to others.  This may not always be problematic, but when your industry is something like collision repair, and your customers are victims who are trying to sort through an already difficult insurance process, the last thing you want to do is add to their confusion or frustration.  For that reason, we have decided to compile a small glossary of terms which are often used throughout the world of auto body repair and provide some insight on what exactly those terms mean.

Actual Cash Value (ACV)

Actual cash value is the amount a vehicle is worth as determined by the insurer’s own proprietary software. 

Aftermarket Parts

Parts that are mass produced by third party manufacturers for use on a variety of vehicle makes and models.  Most aftermarket parts are produced in Taiwan or other areas of China.  All Original Equipment Manufacturer (OEM) parts are patented and CANNOT be replicated exactly.  Aftermarket parts may look the same but will have one of the following:  thinner metal, plastic tabs in the wrong places, lesser quality materials, bolt holes out of alignment, incorrect size or several other inaccuracies.   As the cheapest option, insurance companies frequently attempt to use these parts.

DRP (Direct Repair Program)

Direct Repair Program (DRP) Shops are shops that are under contract with the insurance companies and MUST abide by the requirements of the insurance company.  In exchange for insurance companies sending their DRP shops work, the shops will repair the vehicles by the rules of their contract – not by the manufacturer requirements or recommendations.  Medines chooses NOT to be under contract with any insurance companies.  Medines feels that we cannot look out for our customer’s best interest and stay within the confines of a DRP contract.

Exclusion

Aspects of a repair that are not covered by insurance or warranty.

LKQ (Like, Kind and Quality)

Parts that are not original to the vehicle but are similar in quality and composition (aftermarket parts).

OEM Parts

Original manufacturer parts that were produced by the maker of the vehicle for use on that particular model.

Pre-loss Condition

The condition a vehicle was in immediately prior to an accident. 

Reconditioned / Recycled Parts

Parts that are original to the make and model of the vehicle but that have been used previously.  They must be considered “insurance quality” but they are junk yard parts.  They are usually less expensive but generally are not in perfect condition.  Insurance companies put used, recycled or reconditioned parts on their estimates to save money.  Medines will reject any recycled sheet metal parts or bumpers that are not in pristine condition.  Medines Collision Center will NOT install used or recycled suspension or mechanical parts on our customer’s vehicles.

R&I (Remove and Install)

Parts (often trim pieces) that will be removed from the vehicle while repairs or painting are completed and reinstalled after.

R&R (Remove and Replace)

Damaged parts that are removed from the vehicle and replaced with OEM, reconditioned or aftermarket parts.

RO (Repair Order)

Documentation of all the collision center’s work including parts used, repairs performed, and hours of labor.

Total Loss

According to Louisiana law, a total loss is a vehicle which has sustained damages that are equal to or greater than 75% of its market value as defined by the most recent National Automobile Dealers Association Handbook.  The exception to this rule is any vehicle damaged by hail for which the cost of repairs is significantly impacted by broken glass, exterior paint, and dents to the auto body.  These automobiles will be salvaged and issued a new title indicating the hail damage.

While this list is certainly not comprehensive, it does give an overview of some of the most commonly used auto body repair phrases and terminology.  At Medines, we believe it is our responsibility to keep our clients informed.  This means we always strive to be clear in our communication and transparent throughout the repair and insurance claims process.  If you have recently been involved in an accident, call us to schedule a free estimate.

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