An appearance allowance is when an insurance company allots money to the customer in order to keep a minorly damaged part on the vehicle.

For example, if a hub cap is scratched in an accident, and the part still functions perfectly, the insurance company will pay the customer an 'appearance allowance' to keep the hub cap, instead of paying full price to replace it with a new one.

Not all insurance companies practice appearance allowances. Check your policy to find out your insurance company's view on this topic.