The Estimating Process

Ah the estimate.

An important and necessary yet potentially grey area of the repair process. If you are like most people you are probably going through an insurance company to have your car repaired. Each insurance company has guidelines as to what they will pay for, and how long each repair should take. Often if you are looking to do an out of pocket repair and not go through insurance, the estimate will be lower than what the insurance estimate might be.

So let’s say you’ve been in an accident and you’re car is driveable but needs repair. Maybe someone backed into you while you were waiting for a parking spot at the mall. You go to your local repair shop and ask “how much is this going to cost?” Good question. Now to answer that question there are multiple questions that your repair shop professional should ask and steps for them to take.

Are you going through insurance or out of pocket?
If you answer “I am going through insurance” then there will need to be an estimate created with a field adjuster from your insurance company. Which means you need to make an appointment and have the adjustor meet you at the repair shop.
If you say you are handling it yourself out of pocket, the estimator should be “easy” on you and probably give you a break on elements of your repairs.

I am constantly asked after this first question, “how come you can’t just do an estimate and then I’ll present that to my insurance company?” Two reasons, first the insurance company needs to initiate the estimate process because “they” are responsible for the repairs… and the vehicle needs to be repaired under their guidelines and the work order sheet that they’ll provide. In other words, the repair shop is doing what the insurance company asks of them. Second, it keeps things clean as to what is being fixed that is directly related to the claim. People often try to claim  unrelated damages.

Let’s say you are going through insurance and you’ve set up an appointment for the adjustor to meet you at the shop. What happens next is: you drop the car and get a rental or a ride. As the adjustor may have a window of time. When the adjustor meets with the repair shop they together negociate on what is needed, what will be done, how long it will take, etc. Then, this agreed upon estimate is what is used as a work order. Then either the shop or the insurance company should contact you and inform you what they are doing, how much it will cost, what you are responsible for covering (based on your deductible) and will keep you informed in case anything changes.
Here’s some questions you may want to ask the repair shop:
1. Are you using used parts, aftermarket parts or factory parts?
2. Is this the price final?
3. What am I responsible for paying?
4. Are they paying for a rental? If so, how much a day?
5. How long will the repair take?
6. Is my car going back to pre-collision condition?
7. What exactly will you be doing to my car?

I always invite customers to check in with me to find out where things are at in the repair process. Of course I don’t expect a call everyday but if your repair is going to take a week or more it might not be a bad idea to check in after 3-4 days to see how things are coming along.

Another thing to be aware of in regards to a rental car is that if you were not at fault and the other party is paying for your claim then they will be paying for a comparable car as yours, and the other insurance company will cover the rental for as long as it takes to repair your car.



Filed under Those Dang Insurance Companies

2 responses to “The Estimating Process

  1. JM

    Very Exciting and informative!

  2. Andre,

    Thanks for sharing great info! Looking forward to more insider’s insights

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