Reading your first collision repair estimate line by line
Tips from a collision repair appraiser
Know the parts of an estimate
Look for parts, labor, paint materials, taxes and any towing or outside services. The estimate should spell out what will be repaired and what will be replaced. It may use shortened terms you don’t know. Ask the appraiser to explain, in everyday words, every line that matters to you. [1, 2]
Check the vehicle identification number, mileage, damaged side and listed options. The wrong trim level or feature can change which parts and procedures are used. [1, 2]
Bumper covers and trim pieces can hide damage. Ask what will be inspected once the car is taken apart. Also ask when you’ll get an updated estimate. [1, 2]
Some vehicles and repairs may need scans, alignment, calibration or structural measurements. Ask if the estimate already includes them. The shop may instead decide after reading the maker’s instructions. [1, 2]
Be clear on what you're approving
Ask which work you’re approving right now. Find out how the shop will ask for your OK on added costs. Keep the written estimate and every supplement that follows. When the work is done, compare the final bill with the repair plan you approved. Ask about any difference before you pay or pick up the vehicle. [1, 2]
Questions to put to the appraiser
- Which damage is confirmed, and which areas are still hidden?
- What do the repair, replace and outside service lines mean?
- How will I approve a supplement?
Mark the lines that confuse you
Circle three lines you don’t understand. Ask the shop to walk you through them. [1]
Sources and further reading
- 1Federal Trade Commission, auto repair basics
- 2California Department of Insurance, accident and repair guidance
Think of this as general education from a collision repair appraiser. A first estimate may change once the car is taken apart. Ask the shop and your insurer how their process works where you live.
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