The short version
- An estimate is an expected repair cost and may change when the car is opened up.
- In many places you may choose the repair shop.
- Ask which kind of replacement parts will be used.
Estimates and supplements
An initial estimate covers visible damage. Hidden damage is often found during disassembly, and the shop may ask the insurer for an additional approval called a supplement.
Choosing a shop
Many insurers keep a list of recommended shops. In many states you can use any licensed shop. Ask your insurer what applies in your state.
Types of parts
- Original equipment (OEM): made by or for the vehicle maker.
- Aftermarket: made by another company.
- Used or recycled: taken from another vehicle.
Before you sign anything
Read the work authorization and ask for the repair plan in writing. Ask about the warranty on the repair.
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