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"Your car, your dent, your decision"

How Estimates Are Determined
An estimate is just that — an estimate of the cost involved to safely repair your
vehicle to pre-accident condition. Repair estimates vary depending on several
factors including labor rates, parts prices and the amount of time necessary to
perform certain repairs, but the main elements are the initial estimate, the
supplemental estimate and an agreed price.

The Initial Estimate
Your claims representative will prepare an initial repair estimate so the repairs
can begin. Your claims rep also can help you understand your choices to repair
your vehicle. You can select your own repair shop, or, depending on where you
live, you can choose a repair shop in our network or our concierge level of
claims service.

The Supplemental Estimate
If the body shop you choose discovers additional damage when repairing your
vehicle, your claims representative will "re-inspect" the vehicle. Re-inspection is
not unusual — a vehicle involved in a crash may have damaged parts that are
not visible when the initial estimate is written but become visible once the repairs
begin. At this point, the claims representative and the body shop representative
review the damage to your vehicle together and make appropriate revisions to
include all damaged parts that are found.

Agreed Price
Our claims representatives write estimates based on parts and labor costs
associated with the repair. If the other body shop's estimate are higher or
lower than ours, your claims representative will discuss this difference with
the shop, and they will agree on a price for repairs. Your claims representative
will keep you informed of the repairs every step of the way.

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