Tack Rag: A specially treated cloth used to wipe a surface just prior to painting to remove any dust or contaminates that may inhibit paint adhesion or cause imperfections in the paint.
Tape Marking: The imprint caused by applying masking tape on to a newly-applied paint film before it has time to harden.
Term: The length of time for which an insurance policy is in force.
Thinner: A blend of solvents added to paint to reduce it to the correct consistency for application.
Three Coat Color: A topcoat color which consists of three parts, a base coat, a mid coat and a clear. This is also referred to as a Tri-coat.
Threshold Level: Under some no-fault insurance laws, the threshold level represents the degree of injury a claimant must establish before being allowed to sue the negligent party. The threshold may be verbal (regarding the severity of the injuries) or a dollar amount, or both. For example, with a threshold of $5,000, an injured person may sue if his/her injuries and other economic damages (rehabilitation expenses, loss of income, etc.) exceed $5,000.
Tint and Blend: The process of mixing toners to match the existing paint finish, then blending or overlapping the color into the adjacent panel to avoid color match problems.
Topcoat: The final layers of paint whose role is primarily decorative. However the topcoat often provides protection to ultra violet light present in sunlight.
Tort: A wrongful act, whether intentional or accidental (negligence), resulting in legal liability for damage or injury. Automobile liability insurance is purchased to protect one from suits arising from unintentional torts. Some states ask you to select a tort provision. In these states, you can limit your right to sue for non-monetary damages (like pain and suffering) in exchange for a reduced auto insurance premium.
Total Loss: A vehicle is considered a total loss when the collision, fire or water damage is so extensive that repair costs would exceed the value of the vehicle. Depending on the state in which the vehicle is insured, a total loss may be defined differently. For example, in some states a total loss may be equal to the vehicles Actual Cash value (ACV) while in other states a total loss may be a percentage of the vehicle’s ACV – usually about 80%. Generally speaking, if the repair cost is anywhere near the vehicle’s ACV, the insurance company will total the car because subsequent supplemental repair claims encountered during the repair process could easily push repair cost beyond the ACV amount.