COLLISION GLOSSARY

D
Damage: Loss or harm to a person or property.
Declarations: The section of a policy that includes your name and address; the property that is being insured, its location and description, the policy period, the types and amount of insurance coverage and the premiums.
Deductible: An amount of costs you pay after an accident. Once you’ve paid the deductible, the insurance company pays the rest of the costs, up to the amount specified in your policy. A high deductible generally results in a lower premium and a low deductible results in a higher premium for the same insurance coverage.
Degreasing: The removal from the substrate (vehicle's sheet metal parts) of contaminants which would otherwise create various paint failures.
Depreciation: The decrease in value of any property due to wear, tear, and/or time. Depreciation is generally not an insurable loss.
Detailing: Final cleaning both inside and outside of vehicle, removal of overspray from under hood, trunk lids etc. as well as polishing prior to delivery of a collision-repaired vehicle.
Diminished Value: The concept that a vehicle is worth less after being collision-repaired.
Direct Repair Shop: A suggested or preferred collision repair shop of an insurance company that participates in a DRP program with that insurance company.
For more information on Direct Repair Shops.
Dollar Threshold: In certain states with no-fault auto insurance, the dollar threshold prevents individuals from suing to recover for pain and suffering unless their medical expenses exceed a specified dollar amount, called the threshold.
DRP (Direct Repair Program): A common practice in the collision repair industry whereby an insurance company and a collision repair shop have a contractual agreement which establishes business rules, repair parameters, and standardize procedures such as billing practices and record keeping. An advantage of DRPs is that they may provide additional convenience for the insured due to their relationship with the insurance company. A primary disadvantage is that many insurance companies require that their DRPs use a percentage of imitation parts in collision repairs. This may not be in the customer’s best interest. You have the right to have your vehicle repaired at a shop of your own choosing.
For more information on DRPs.
Drying: The process of change of an automotive coating from a liquid to a solid state by evaporation of solvent, evaporation of water (as in water-borne paint systems) chemical reaction of the binding medium, or a combination of these processes.