Automotive body repairers need to know the details of how car insurance works because the repairs for most cars damaged in a collision are paid by an insurance company. Insurance companies demand specific, precise estimates and may refuse to pay if a body repair job seems out of line with the going rate for the repair.

An automobile insurance policy includes many terms that auto repair technicians must understand. Use the Internet, a library, or ask a car owner to help you define the following terms related to automobile insurance.