Pre-Loss Defined

The regulations don’t define it, so we did. What is owed under your insurance policy, what shops promise and what the consumer expects.

Pre-loss condition as it relates to automobile repair is the act of restoring the vehicle to the condition it was in moments before the injury to the vehicle. This includes the restoration of the vehicles:

1. Function: Including all automotive systems, structures and material characteristics but substantially the systems that relate to stopping, steering, and handling of the subject vehicle.

2. Appearance: Including any and all areas of the vehicle, both seen and unseen to a factory appearance free from flaw or defect to the degree of the subject vehicle just previous to the injury.

3. Safety: Including all safety features without exception, but more significantly the SRS systems and the ability of the vehicle to withstand a subsequent impact and absorb that impact and protect the occupants as designed by the manufacturer in the same manner as an undamaged vehicle.

4. Value: including restoration of the subject vehicle to a value equal to the value of the vehicle just before impact.

Unless there is documented evidence to the contrary, it shall be assumed that all areas of the pre-accident condition of the subject vehicle were in a condition similar to that as delivered and provided by the manufacturer.


Wreck Check Assessments of Boston  |  1-508-339-0419  |  info@wreckcheckboston.com