How Are Your Damages Estimated?

Auto Workshop Mechanic Inspecting Damage To Car And Filling In Repair Estimate

If you’ve never been involved in a car accident—count your blessings. If you have, then you already know you need to get a damage estimate before your insurance will issue payment for the repairs. So how are repairs estimated?

Damage Estimate Overview

Generally, after an accident, you take or your car (or it is towed) to either the nearest auto body shop or to your garage of choice. Once there, a specialist at the repair shop will estimate the cost of repair. When the garage and your insurance company already have a working relationship, then the insurance company will typically take the shop’s estimate. If not, then you may have to go to a claims adjuster (if your car is drivable) or they will send an adjuster to the shop (if your car is not drivable) to confirm the estimate or make changes to the claim amount.

Types of Damage Estimates

There are two types of vehicle damage estimates that an auto body shop may do:

Visual Inspection/Estimate

A visual estimate involves careful inspection of the exterior damage on the vehicle. This type of estimate does not include structural damage. Structural damage will only be discovered when the vehicle is dismantled during the repair process. If structural damage is found, repair will stop so that a second estimate can be calculated and the additional coverage requested from your insurance provider.

Tear Down Estimate

A tear down estimate involves dismantling the vehicle before repairs begin to assess structural damage. A visual estimate is faster than a tear down estimate, but the latter is more comprehensive.

Despite the name, estimates are very thorough, including the cost of every part of the repair process from ordering parts to mechanic’s labor.

Quanz Auto Body is a partner with seven different insurance carriers, which means our estimates are enough to get the coverage needed to start repairs. Learn more about our better insurance claims management and get your car to Quanz for the expert collision repairs you need.