According to Forbes, the average driver will file an insurance claim for collision about every 17 years. This isn’t counting claims filed for those curbside scrapes or parking lot car door crashes. And while we consider ourselves experts in insurance, we understand that this process may be confusing for others. With so many different insurance specific terms and verbiage, we thought it might be helpful to define some of that language here on the blog! This month we’re dishing some important auto insurance lingo.
CLAIMANT – This is someone who files a claim for an accident. 1st party claimants are filing a claim against his or her own insurance policy. 3rd party claimants usually file against the at-fault person’s insurance policy.
ADJUSTER – Adjusters are employed by the insurance company and settle claims after investigating and determining liability. These same adjusters also then make payments to claimants based on their findings.
DEDUCTIBLE – The amount that the insured must pay out of pocket for covered losses.
TOTALED – If your car is totaled, the cost of repairs exceeds your vehicle’s value.
ACTUAL CASH VALUE – This is the fair market value of an item at the time it was stolen, damaged or destroyed. This can be calculated by estimating the value of the property, then subtracting the amount the property has decreased in value since the time it was purchased. This depreciation value will take into account the age, conditions and wear/tear of the property.
CLAIM – This is your formal request to an insurance company for payment under your policy terms. You will be given a claim number, keep this number safe and handy for reference. Adjusters will refer to your claim number often.
Auto accidents are no fun. We hope this condensed list of insurance definitions help you out when the time comes. Here at KW Auto Body we understand the confusion and disruption that a collision can bring to your life. We strive to deliver exceptional service, impeccable repairs and personal support to each customer who walks through our doors. The proof is in the smiles of the satisfied people we have the privilege of serving.
Get More Tips From K.W. Auto Body
We love to help our customers to simplify their lives. Check out more tips, tricks & hacks from our experts to help you to stay safe and drive with aloha.
5 Enemies to Auto Body Paint
There are lots of chemicals that may permanently damage your car’s paint. Some are well-known enemies while others may surprise you. We’ve said it before, the more you know the better prepared you are to care for your vehicle. This month on the blog we’re dishing 5 surprisingly (yet common) substances that you’ll want to avoid to maintain your pretty paint job.
Germ-Free Driving
We can all agree that these last few months have absolutely flipped our world upside down. Covid-19 has forever changed our lives, and it’s safe to say that keeping the insides and outsides of our vehicles clean is vital. Below are a few car sanitizing tips to keep you driving germ-free.
Seat Belt Safety
According to The National Highway Traffic Safety Administrations (NHTSA), wearing your seat belt serves as the single most effective way to reduce the risk of death and injury in a vehicle crash. Since 1975 seat belts are responsible for saving nearly 300,000 lives! This month on the blog we’re discussing the most important safety measure for both passengers and drivers alike. You guess it – seat belts!
Car Washing 101
Here at KW Auto Body we consider our car a part of the family, and we do our very best to take care of it. Your vehicle’s exterior is the only line of defense against the elements which makes its regular wash so important. Below are four simple steps to maximize your car washing routine.
3 Tips to Keeping Your Car Clean On A Beach Day
May is in full swing, and while our state is still practicing social distancing to flatten the COVID-19 curve, the ocean never shut down. Even if you’re planning a trip to the beach for a quick in-and-out session, you can guarantee that sand and saltwater will make its back to your car. Below are 3 tips to keeping your car clean on a beach day.
3 Tips For Cooling Down Your Car
One of the very best things about living in paradise is the constant beautiful weather. The sun is shining on most days of the week and we wouldn’t have it any other way. However, with that sweet Hawaiian sun comes the soaring temps. We are firm believers in sun protection – yes, your skin and eyes should always be your first priorities when covering up – but your vehicle should come in a close second. This month on the blog we’re letting you in on our proven tips to keeping your car cool and protected.
Featured Services
We’ve got you covered! Our dedication to fast and friendly service means getting you back on the road as quickly, conveniently & safely as possible. No matter what repairs your car needs, K.W. Auto Body has got you covered.
Computerized Estimates
We offer C.C.C.ONE estimating system along with digital imaging.
Paint & Refinishing
We use Standox and a computerized paint matching system.
Auto Body & Collision Repair
We use Pro Spot Aluminum weld station for specialized repairs.
Unibody & Frame Repair
We are trained to use the car-o-liner computerized measuring system.
Jumpstart Your Repairs
You were in an accident. We're here to help. We are a full service auto body shop and are committed to serving you. Let's get you in the shop and back on the road seamlessly and quickly. Give us a call today!
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Honolulu, HI 96819
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