T.A.C.S Auto Body Service

Replacement Parts for your Vehicle

Each insurance company has specific policies regarding the types of parts used to repair the damage to your vehicle. Our Service Managers will explain to you what your insurance policy covers and what type of parts will be used on your vehicle.

• New Original Equipment Parts (OEM): When you hear this term it means that the parts were either made by the manufacturer of your vehicle or by a vendor who makes the parts for the manufacturer. As a general rule of thumb, these parts are identical to the parts that were used during the original vehicle manufacturing process.
• Aftermarket Parts: Aftermarket parts are copies of the original parts that were on your car when it was new. Consumers have been using aftermarket parts for years because it can lower the cost of repair. Some examples might be tires, batteries, windshield wipers, radiators, etc. All insurance companies require aftermarket parts for certain repairs but this varies greatly between companies. Our Service Managers can explain this in more detail if you are interested. These parts must meet or exceed industry standards for fit, appearance and safety or T.A.C.S. will contact your insurance company to request OEM parts for your repair. Sometimes, based on your specific policy and/or insurance company we are only able to use aftermarket parts.
• Recycled Parts: Used or recycled parts are often parts that were on a vehicle that is no longer on the road because of other accident damage. Re-using these parts is another way to help contain costs without impacting the quality of the repairs. If these parts are used, they are closely inspected before any installation for quality.

Consumer Rights & Information

• What should I do first if I have an accident? Ask if everyone is alright. Call 911 to alert the police to the accident and let them know if you need an ambulance. Then, identify yourself to the other driver (s) and exchange driver’s license, insurance company and registration information with each other. This information also must be shared with the police if they are present. It is also advisable to write down the details of the accident as soon as possible and take photos of the scene if you have a camera.
• What am I required to do by law? If you are in an accident, you are required by the NYS Vehicle and Traffic Law to stop and exchange information with the involved drivers. If the accident caused property damage only, then exchange information about your driver license, insurance, and registration with the involved drivers. If a parked vehicle or other property is damaged, or if a domestic animal is injured, you must locate the owner or contact the police.
  • If the property damage of any person is $1,001 or more, all the involved drivers are required by the NYS Vehicle and Traffic Law to file form MV-104 (Report of Motor Vehicle Accident). File form MV-104 with the DMV no more than 10 days after the accident. The DMV can suspend your driver license if you fail to report an accident.
  • If a person is injured or killed, you are required by the NYS Vehicle and Traffic Law to immediately notify the police. All the involved drivers and the police must file an accident report with the DMV. It is a crime to leave the scene of an accident that causes personal injury or death.
• My Vehicle is not drivable or not safe to drive, what should I do? Find a collision repair facility that will repair your vehicle to pre-loss condition. Have your vehicle towed to the facility, and then contact your insurance company and notify them as to where your vehicle will be for inspection. Do not allow your vehicle to be towed to a facility you don't know, and do not authorize repairs by signing a towing release unless it is the facility of your choice.
• If I am asked for a statement from the other drivers insurance company, what do I do? Do not give a statement or make a phone recording with the other insurance company. This could be used in court against you.
• Can I take my vehicle to the repair shop of my choice? YES! According to New York State Insurance Regulation 64 you have the right to go to the repair shop of your choice. It is always your right to choose the shop where you want the vehicle to be repaired.
• Do I need to present more than one estimate? No, you will never be required to present more than one estimate for repair.
• If I am not at fault in the accident, should I use my policy or try to collect from the other driver? It is always worth it to try and collect from the other driver’s policy directly. If you are able to collect, you will not have to pay a deductible and the accident will not be charged against your policy.
• Why do estimates vary so greatly from one another? There are many reasons that this might be the case. A low estimate might reflect an incomplete or inferior repair job. If key repairs are not done such as an alignment, the results can be dangerous for future passengers. If there is heavy structural damage and some of it is overlooked or ignored the vehicle may not have it’s original safety integrity.
• Who is liable for the safety and quality of the repairs? All parties involved may have liability to varying degrees depending on each particular situation. The repair may be guaranteed by the repair shop and in some cases by the insurance company.
• The insurance adjuster gave me a check for the repairs after he inspected the vehicle. Should I cash it? NO. If you cash the check, you may not be reimbursed for additional damage that is uncovered during the repair process.

Terms and Definitions

It is always important to understand the terms of your auto insurance policy or any other contract that you might sign. Your policy states exactly what your carrier will and will not do for you and your vehicle if you should have an accident. Here are some of the definitions that are common in auto polices and auto repair process. They may differ slightly from your exact policy, but we hope that they are helpful to you.

• Accident An unforeseeable event which may produce injury or property damage.
• Accident Date Date (month/date/year) when the accident occurred.
• Accident Frequency A method of measuring the safety performance of a policyholder for a specified period by multiplying the number of injuries by one million and dividing by the total number of workhours worked; or when the actual workhours are unknown, the measurement may be in terms of number of accidents for each $100,000 or payroll. With automobile policyholders the exposure may be either number of miles or number of vehicles.
• Accident Year The year during which an accident takes place without regard to the year in which it is reported.
• Actual Cash Value An amount equal to the replacement cost of lost or damaged property at the time of loss, less depreciation.
• Actual Damages Damage that really exists as distinguished from potential or possible damage.
• Actuary A highly specialized mathematician professionally trained in the risk aspects of insurance, whose functions include the calculations involved in determining proper insurance rates, evaluating reserves, and in various aspects of insurance research.
• Adjudication The process of deciding whether to pay, pend, or reject a claim based upon the information submitted, the eligibility of the recipient, and the available benefits.
• Adjuster A person who investigates and settles losses for an insurance carrier.
• Amount of Loss The extent of loss, expressed monetarily.
• Appraisal A survey by an impartial expert estimating quantity, quality or value of property to determine its insurability or the amount of loss sustained.
• Arbitration Determination by impartial experts of the value of property or the extent of damage. Many insurance policies provide for appraisals where the company and the insured cannot agree on the amount or the extent of a loss.
• Arson The willful and malicious burning of property.
• Assigned Risk A risk which is assigned to a pool of participating insurers who agree to accept either the profit or loss associated with the risk.
• Assured Synonymous with "insured". One who has an insurance policy with an insurance carrier.
• Automobile Death Indemnity Coverage Provides limited life insurance protection to insured persons specifically named in the policy in the event of a death that is a direct result of a vehicle accident. Payment is not contingent upon the establishment of negligence, but death by an intentional act of the insured is not covered.
• Automobile Disability Income Coverage Provides persons specifically named in the policy with the weekly benefit shown in the policy in the event of continuous total disability as a direct result of bodily injury, sickness, or infection caused by an auto accident.
• Automobile Physical Damage Insurance Covers damage or loss to automobile of policy holder.
• Automobile Insurace, Comprehensive Insurance against any physical loss to an automobile except by collision or upset.
• Basic Policy Standard contract for a given policy type before the inclusion of specific riders, endorsements, exclusions or conditions.
• Benefit Amount of money provided by an insurance policy to be paid for losses covered under the terms of the policy.
• Benefit Schedule A schedule in a health insurance policy which includes types of services covered by the policy and the amount to be paid for each service.
• Binder A written or oral contract issued temporarily to place insurance in force immediately prior to issuance of a new policy or endorsement of an existing one. A binder is subject to payment of the premium and provides coverage under the terms of the policy to be issued, unless otherwise specified.
• Blanket Coverage A Blanket form is one under which property is insured under a single amount applying to several different pieces of property rather than a specific amount of insurance on each property.
• Bodily Injury (BI) Injury to the body of a person. In insurance, also refers to the coverage afforded for financial protection against bodily injury of a person resulting from an accident.
• Broker One who is a solicitor of insurance on behalf of his or her clients. Most states require that brokers be licensed as agents.
• Claim A request for payment for a loss which may come under the terms of an insurance contract. There are two type of claims. A first party claim is one made by the policyholder for reimbursement by his or her company. A third party claim is one by a person against a policyholder of another company and the payment, if any, will be made by that company.
• Claimant One who makes a claim against another' insurance company.
• Claims Representative (CR) Technical position of investigating and bringing to disposition minor claims via the telephone.
• Collision Insurance Insurance covering loss to the insured's vehicle caused by its collision with another vehicle or object but not covering personal injury or property damage.
• Comprehensive Coverage In automobile insurance it is protection against any loss or damage to an automobile except by collision or by upset. In other types of policies it is insurance that covers under one insuring agreement all hazards within the general scope of the contract except those specifically excluded.
• Concealment Normally means the willful withholding of material fact which could affect an insurer's issuance of a policy or processing of a claim.
• Conditions Provisions of an insurance policy which specify.
• Conservation Activities intended to keep in force policies from lapsing or from being surrendered.
• Contract The agreement between an insurance company and an insured. It states the legally enforceable obligations of the insurance company in return for the premiums it receives.
• Coverage Specific protection provided under an insurance contract.
• Damage Loss or harm resulting from injury to a person, property, or to one's reputation.
• Damages The monetary amount an insurance company is legally obligated to pay for losses incurred.
• Declaration That part of the policy describing the names insured, address, effective date, term of the policy, applicable coverages, the amount of insurance and the premium.
• Deductible A dollar amount, specified in most insurance policies, beyond which insurance protection begins. The insured assumes the loss up to the limit of the Deductible amount, then the insurance company pays any amount over the Deductible, up to the policy limit.
• Dependent One who relies on another for economic support. In insurance, those covered under the policy of the person providing that support.
• Depreciation A decrease in the value of property due to age, wear and tear.
• Disability Threshold In no-fault auto insurance states with the disability threshold, it provides that a victim may not sue in tort unless he has been disabled from an accident for a specific period of time.
• Dollar Threshold In no-fault auto insurance states with the dollar threshold, it prevents individuals from suing in tort to recover for pain and suffering unless their medical expenses exceed a certain dollar amount.
• Domestic Carrier An insurance company organized in a given state is referred to in that state as a domestic carrier.
• Drive-In Claims Insurance Automobile insurer's facility to which an insured may bring a damaged auto in order to facilitate the adjusting of claims and the settlement of damages.
• Endorsement A written amendment attached to a policy modifying the terms of the insurance contract.
• Expiration Date The date and hour on which a policy ceases to protect the insured.
• Financial Responsibility Laws State laws that serve to encourage, or require all motorists to purchase liability coverage.
• Fleet Five or more cars owned by one insured, covered under one automobile insurance policy.
• Fleet Policy Insurance contract covering a number of vehicles owned by the same insured.
• Glass Insurance Coverage for accidental or malicious breakage or chemical damage to glass.
• Grace Period The period of time following the premium due date in which the premium may be paid. The policy remains in force during the grace period.
• Hired Car Coverage Protection for insured against liability incurred while using hired automobiles from another organization.
• Independent Adjustor Independent contractor for hire to insurance companies and other organizations to investigate and settle claims.
• Insurance The contractual relationship which exists when one party, in consideration of the payment of a premium, agrees to assume the risk of loss of the other party for loss caused by designated contingencies.
• Insurance Commissioner A public officer of a state or other territory whose duty it is to enforce laws applicable to insurance.
• Insurance Policy A contract in which the insurance company, for a designated premium, agrees to pay the insured for loss covered by the policy when such loss occurs.
• Insured The person(s) or corporation whose insurable interest is protected by the policy. Also called Assured.
• Insurer The insurance company that issues a policy to a policyholder. The party to the insurance contract that promises to pay losses or render service.
• Liability Legal obligation, usually financial, for a loss, debt, penalty or the like.
• Liability Insurance All forms of coverage which protect an insured who becomes obligated to pay because of bodily injury, property damage, or other wrongs to which the insurance policy applies.
• Liability Limits The sum or sums beyond which a liability insurance company does not protect the insured on a particular policy. The majority of policies covering liability for bodily injury have two limits: a limit of liability to any one person and, subject to the personal limit, another and usually higher limit for any single accident where more than one person in involved.
• Lien A claim on another's property as a security for a debt or charge.
• Lifetime Maximum The maximum amount that major medical will pay toward an insured's claims in a lifetime.
• Loss Value reduction in an insured's property caused by an insured peril. Amount sought in a claim. Amount paid on behalf of an insured under an insurance contract.
• McCarran-Ferguson Act: 1945 Federal legislation in which the Congress declared that the states may continue to regulate the insurance industry.
• Mechanic's Lien Protection given to laborers and suppliers in the form of a lien on the property that has been improved or repaired.
• Negligence Failure to do the correct and prudent thing, whether by omission or commission, in a particular situation.
• Net Loss The amount of loss sustained by an insurer after deducting all applicable reinsurance, salvage and subrogation recoveries.
• No-Fault Insurance Permits automobile accident victims to be directly reimbursed for medical and hospital expenses and loss of income by their own insurance company regardless of who was at fault. Massachusetts included property damage.
• Notice of Loss Notification to an insurance company by an insured or claimant that a loss has occurred. Written notice may be required, although many companies accept notice by telephone.
• Occupational Safety and Health Act: 1970 legislation that set Federal standards for work place safety and imposed fines for failure to meet them.
• Omnibus Clause Policy extending coverage to others using a particular automobile without specifically naming them in the policy.
• Open The status of a claim which is pending settlement.
• Partial Loss A loss, covered under an insurance policy, which does not completely destroy the property.
• Party An individual or other legal entity who enters into a contract or other legal proceeding.
• Policy A printed document issued to the insured by the company stating the terms of the insurance contract.
• Policy Terms The length of time an insurance policy is in force, contingent upon payment of contractual premiums.
• Policy Year The 365 or 366 days between annual premium dates; the year commencing with the effective date of the policy or with an anniversary of that date.
• Policyholder The individual or organization in whose name a policy is written. Synonymous with Insured, Assured or Risk.
• Pre-Accident Condition Condition of vehicle prior to the accident.
• Premium The amount of money charged a policyholder for an insurance policy.
• Premium Rate The price per unit of insurance.
• Principal In suretyship, the party whose honesty or performance is guaranteed.
• Proof of Loss Policy owner's formal report of a loss, containing information so the insurer can determine the extent of its liability.
• Salvage Proceeds of sold property secured after the loss to reduce the loss sustained, such as the sale of a totaled automobile.
• Selection of Risk The process of identifying and clasifying the potential degree of risk represented by a proposed insured.
• Tort In general a civil wrong, other than breach of contract, for which a court will provide a remedy in the form of a suit for damages.
• Tort System Legal system providing that civil action can be brought to redress wrongful injury or damage.
• Total Loss Loss to the insured of the entire value of goods or other property insured, or a loss entailing the payment of the full face amount of an insurance contract.
• Towing Insures against charges for towing and road service at the place of disablement, with a maximum amount stipulated for each occurrence.
• Umpire An impartial third party selected in an arbitration to make a decision. Any decision made by two of the three people is binding.
• Umpire Clause Part of some insurance contracts providing that in the event of an individual or company filing a claim and the insuring company cannot agree on the settlement of a loss, each party may select an arbitrator and the two arbitrators select an umpire. The insured and the insurance company agree to abide by the decision of the majority vote of the arbitrators and umpire.
• Underinsured Motorist Coverage Coverage is intended to cover you and passengers in your car for losses unpaid because sufficient bodily liability limits are not available from the policy of an at-fault driver. How and under what circumstances the coverage becomes operative varies in different states.
• Underwriter Person who studies risks, determines rates and coverages, and decides if the risk is acceptable.
• Underwriting A process which evaluates an applicant against preestablished criteria for insurability to determine whether the applicant will be rejected or accepted for coverage and whether at standard or modified rates.
• Warranty Promises made by the insured which if not kept or untrue, will void the policy.
• Youthful Insured An insured (male or female) under 25 years of age.
• Zone Examinations Triennial examination of insurance companies as established by the National Association of Insurance Commissioners.