Definitions
 1. (1) In section 199.1 of the Act and in this Regulation, “insurer” means, (a)  an insurer, as defined in subsection 1 (1) of the Compulsory Automobile Insurance Act,
or (b)  a person who owns, leases or holds the plate portion of the vehicle permits for 10 or more vehicles the policies of insurance for which do not cover damage caused by all perils; “irreparable” means, with respect to a vehicle, a vehicle that, (a)  is a total loss and, (i)  has been immersed in liquid to the bottom of its dashboard or higher, (ii)  any major part of its electrical system has been, or appears to have been, immersed in liquid, (iii)  has incurred damage requiring the replacement of, (A)  for a vehicle the occupant compartment of which extends from the front door hinge pillar assemblies to the rear-most cross-member of the vehicle, five or more of the structural assemblies listed in Parts 2, 3 and 4 of the Schedule, (B)  for a vehicle the occupant compartment of which extends from the front-most cross-member of the vehicle to the rear-most cross-member of the vehicle, seven or more of the structural assemblies listed in Parts 1, 2, 3 and 4 of the Schedule, (C)  for a vehicle other than a vehicle described in sub-subclause (A) or (B), three or more of the structural assemblies listed in Parts 2 and 4 of the Schedule, or (D)  its structural fire wall or bulkhead assembly, (iv)  if the vehicle is a motorcycle, has incurred structural damage requiring the replacement by cutting and welding of any integral part of its full frame assembly, or (v)  has been stolen and dismantled such that the retail price for new parts of a like kind to replace those parts missing or damaged exceeds the fair labour cost to install or repair those parts, and, (A)  a settlement of an insurance claim has been paid for the vehicle as a total loss, or (B)  the vehicle is owned, leased or the plate portion of its vehicle permit is held by a person who is an insurer within the meaning of clause (b) of the definition of “insurer”, or (b)  is classified by the Registrar as irreparable under subsection 199.1 (11) of the Act; “rebuilt” means, with respect to a vehicle, a vehicle that was classified as salvage by the Registrar under subsection 199.1 (10) or (11) of the Act and for which a structural inspection certificate has subsequently been submitted to comply with subsection 2.1 (1) of Regulation 628 of the Revised Regulations of Ontario, 1990 (Vehicle Permits); “salvage” means, with respect to a vehicle, a vehicle that, (a)  is a total loss and has incurred damage requiring replacement of one or more of the structural assemblies listed in Parts 1, 2, 3 and 4 of the Schedule, but is not irreparable, (b)  is classified by the Registrar as salvage under subsection 199.1 (11) of the Act, or (c)  is a motor vehicle assembled using the body of a motor vehicle with a model year of 1981 or later and the chassis frame assembly of another motor vehicle, both of which were manufactured utilizing a full frame assembly as part of the vehicle’s structure; “salvage value” means the value of a damaged or stolen and dismantled vehicle that is legitimately recoverable through commercial means of disposal and, if the damaged or stolen and dismantled vehicle is purchased by a person described in paragraph 2 of subsection 4 (1), that value is the price paid by the person for the vehicle; “total loss” means, with respect to a vehicle, a vehicle that has been damaged by collision, impact, fire or flood, or has been stolen and dismantled, such that the estimated cost of repairing it exceeds the difference between the fair market value of the vehicle immediately before it was damaged or stolen and its salvage value.  O. Reg. 376/02, s. 1 (1). (2) For the purposes of the definitions of “irreparable” and “salvage” and sub-subparagraph 2 i A of subsection 4 (1), a structural assembly, structural firewall or bulkhead assembly requires replacement if, (a)  it has been damaged by impact and has been torn, kinked or bent beyond the manufacturer’s repair standards or, if there are no manufacturer’s repair standards, beyond the commonly accepted standards of the auto body collision repair industry; or (b)  it has been damaged by heat beyond the manufacturer’s repair standards or, if there are no manufacturer’s repair standards, beyond the commonly accepted standards of the auto body collision repair industry.  O. Reg. 376/02, s. 1 (2). (3) For the purposes of the definition of “irreparable” and sub-subparagraph 2 i B of subsection 4 (1), the following are major parts of the electrical system of a vehicle: 1.  A fuse panel or breaker panel. 2.  A component that monitors, triggers or controls any component of the vehicle’s occupant restraint systems. 3.  An electronic component that transmits or relays power for use in the heating or cooling of the vehicle’s occupant compartment. 4.  An electronic component that transmits or relays power for use in the vehicle’s defogging or defrosting systems. 5.  An electronic component or module that controls the vehicle’s primary operating systems. 6.  A main wiring harness with unsealed connections that is located in the occupant compartment. 7.  An electronic module that controls the vehicle’s on board self-diagnostic system, excluding communications, navigational and entertainment systems. 8.  An electronic module that controls the vehicle’s braking systems or steering systems.  O. Reg. 376/02, s. 1 (3). (4) For the purpose of the definition of “total loss”, the estimated cost of repairing the vehicle must be calculated using reasonable commercial rates for parts, supplies and labour.  O. Reg. 376/02, s. 1 (4).