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How Many Estimates Should I Get for a Car Accident

insurance form with miniature car

If you have been involved in a car accident, you are likely trying to figure out the many details that go along with getting your vehicle fixed and back on the road. There is a longstanding idea out there that you need multiple estimates to have your insurance company pay for repairs. With this blog post, we will go over some of the facts.

First, it’s important to note that your auto insurance collision coverage can help pay for vehicle damage. Furthermore, bodily injury coverage will assist with medical costs that were associated with the collision. If you try to settle on a financial agreement with the other driver without the insurance company, there is the risk of the driver suing you later for damages that they find. In addition, if you don’t report the accident to your insurance company and the other driver claims injuries or damages, your insurer could deny coverage and leave you with a hefty bill.

The best way to ensure coverage is to report the accident immediately.

Once the accident is reported, a claims adjuster will investigate the case. This may involve looking at the police report, inspecting and photographing your vehicle, reviewing medical bills or records, and interviewing you about what happened.

Once insurance determines who is at fault for the accident, they will work with the other driver’s insurance company to see how much is paid out. You can then start getting repair estimates or choose the repair facility of your choice. However, oftentimes the insurance company will write their own estimate for your body shop to work off of. Once the body shop receives the insurance estimate, they can begin the disassembly of your vehicle and submit a supplement for the hidden damages insurance was unable to verify.

If the insurance company with whom you are working does not write their own estimate but is a direct-repair facility with multiple shops, it may be wise to get a few estimates to compare. Here are some tips:

Tip #1: Research and compare.

Make sure that the estimates you get are from well-established collision repair shops that have a reputation for quality workmanship and excellent customer service. Get estimates from a few places and compare them to validate that they are similar in the breakdown of what repairs are needed, as well as the cost for labor and parts.   

Tip #2: Don’t base your decision on price.

Estimates can vary, but don’t assume that a high estimate means that the repair shop is overcharging. Instead, do a line-by-line comparison so you can be sure you’re making an informed choice. If an insurance adjuster recommends a shop where the cost is significantly less, be cautious, as this could mean you will not be pleased with the vehicle’s result once it’s repaired.

If you’re looking for an honest estimate, excellent customer service and an outstanding reputation for quality, contact our team at McCollum Auto Body. We are standing by to help!