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VISUAL GUIDE TO THE VEHICLE PRE-INSURANCE PHOTO INSPECTION PROCESS

Graphic Requirements for Vehicle Physical Damage Inspection Reports

Visual documentation, whether it is digital or conventional photography, is an integral aspect of the vehicle inspection process. The inspection report, along with appropriate digital or photographic images provides valuable information about the inspected vehicle in accordance with state-mandated requirements. Included in the many benefits of the inspection process are:

Verification of the VIN and proof a vehicle actually exists. Record of the vehicle's physical condition. Documentation of on-board options and accessories.

Pre-insurance inspection consists of a detailed visual inspection and photographic documentation:

1.

Visual

Inspection

Vehicle is examined by an authorized inspector who checks for equipment [options], anti-theft systems, rust and existing physical damage. The information is recorded on an inspection report form, which includes the insured's name, Vehicle Identification Number [VIN] and description of the vehicle.

2.

Visual

Documentation

Two color photographs [digital or Polaroid images] are taken at oblique angles from the front and rear, resulting in a graphic record that clearly shows the vehicle's four sides. A third image is taken of the Federal Vehicle Safety Standard Certification Label, usually located on the driver's door or door post, using a digital camera or Polaroid instant camera equipped with a special close-up hood. If extensive damage is found, additional photos may be required.

The Safety Certification Label, often referred to as the EPA Label, includes the Vehicle Identification Number, or VIN.

The EPA Label photo is an important part of the documentation package and a valuable investigative tool,with information that provides the means to check the vehicle's authenticity, identify vehicles that do not comply with U.S. safety standards, and the means to detect salvaged and stolen vehicles.

A. Front/ Driver's Side

Correct: Front 3/4 - view, taken from the driver's side of the vehicle, must clearly show the front of the vehicle including the full bumper, and the driver's side. A simple, clutter-free background is desirable for both front and rear images.

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