Follow the Spirit West Rapid Refinish page and keep up on the latest industry and shop news.
If you have ever been involved in an auto collision you well know it can be a stressful event. Not only do you have to find a reputable collision repair shop to get you back on the road quickly, you now have the task of filing an auto insurance claim and working through the confusing terms of your policy.
Spirit West Rapid Refinish is here to alleviate some of that stress. We offer insurance claims assistance and have also put together a reference guide to get you well on your way to understanding the insurance jargon that may have your head spinning.
Act of God
When something out of human control or influence happens (that damages a vehicle) it’s called an Act of God. Things like forest fires, tornadoes and other storms, earthquakes, floods, or a volcanic eruption fall into this category. Acts of God are generally covered under comprehensive coverage, not collision or liability.
Additional Insured or Additional Interest
A person other than the main insured person who is also covered on an insurance policy is an additional insured. For example, if your car is leased, your leasing company is likely an additional insured on your policy.
The insurance company, or insurance carrier, is the entity that issues an insurance policy. It’s called a carrier because it carries certain risks in lieu of the main insured person.
Any request or demand for the carrier to pay according to the insurance policy is called a claim. The person who makes the claim is the claimant.
The benefits and protections that are named in an insurance policy constitute the coverage. Each portion of the policy is subject to the terms and conditions of that specific policy, so your coverage may not be the same as your neighbor’s even if you use the same carrier.
No Fault Insurance
Some states require insurance companies to pay losses of their policyholders that are covered in the claims without regard to fault in an accident. This doesn’t mean they have to pay for everything, it just means that the policy kicks in when a covered accident happens and not when fault is determined.
This legal principle is applicable in certain states and means that even when a driver is partly at fault for an accident, they’re still able to make a partial claim. The negligence of each party is compared to that of the other party and the claim depends on the percentage of responsibility.
This legal principle is applicable in certain states and means that a driver who is at fault, even a little bit, is not able to make a claim on their insurance policy.
Insurance policies include a deductible, or a set fee that the covered party is responsible to pay toward damages before the insurance can be paid out.
An exclusion is something that is not covered under an insurance policy. It may be a certain event, person, property, situation, or something else. For example, it’s unlikely that damage caused by drag racing is covered under an auto insurance policy, even if an accident occurs.
This is the amount the insurance company pays out on any given claim.
If an insurer tries to get a vehicle owner to use a certain repair shop, it’s called steering. Steering is illegal in most states and vehicle owners have the right to choose their own repair shop.
Visit the Missouri Department of Insurance for valuable information on Missouri state laws and guidelines pertaining to auto insurance.
If you are involved in an auto collision and need repair service, contact Spirit West Rapid Refinishat 636.386.8060 Monday through Friday between 9am-5pm, closed 12pm-1pm or stop by our convenient location at 14643 Manchester Rd. Ballwin, Missouri 63011.
Spirit West Motor Carriage, founded in 1977, is a full-service auto body repair shop serving the St. Louis and surrounding Metro area. For nearly four decades, our family-owned business and our experienced staff have been providing quality auto collision repair, mechanical, paintless dent repair (PDR), complete paint refinishing, and wheel and framing alignment services.