Auto Insurance Quote   Homeowners Insurance Quote   General Liability Quote Form   Life Insurance Quote

Home Page About Us Testimonials Newsletters Blog Contact Us RSS

Why Is My Auto Damage Estimate Not What I Anticipated?

From Our Friends at Central Mutual

Have you ever wondered what the body shop technician is looking at when they are writing up an estimate for damages to your vehicle? You may expect the estimate to come back at “this number” but are shocked to see it is actually “that number.” Why is it so different from what you thought? Let me try to shed some light on how damages are estimated.


First, one must understand that there are several different parts available to repair an auto. There are original manufactured parts (OEM) from the dealer, remanufactured parts that are sent back to the dealer to be remanufactured and put back out on the market, and aftermarket parts which are created from a generic mold by aftermarket companies. OEM parts are usually the most expensive while aftermarket parts are usually the least expensive. 

A shop will look at the damaged part and the surrounding parts to see if they are also damaged. Let’s say you have damage to your driver side front door. A shop will look at the door and see if the damage can be repaired or if the door needs to be replaced. They will also look to see if the front driver side fender has damage since it is an adjacent part. Same with the driver side rear door. They will inspect the side mirror, moldings on the door, and also check to see if only the outer shell needs to be replaced or the entire door.

Remove and install (R&I) time is a major part of a repair estimate and is taken into account on every estimate. Many of the parts that are damaged are not readily accessible to remove. A body shop has to remove other parts that surround the damaged part in order to repair or replace that damaged part. These R&I times are generally not very long, anywhere from 20-40 minutes for each part, but if the damage is severe enough, it may require many parts to be removed and all the R&I time is accounted for on the estimate based off the labor rate the shop charges. This can add up quickly.

Paint supplies and paint labor may also be listed on the estimate. Paint supplies can range anywhere from $150 for a small job to $1,500 for a larger one. Paint labor covers the time it will take to paint the repaired parts of the vehicle, including any blending that’s necessary for the paint to match.

If you have had repair work done on your vehicle, you may have paid more than what was originally estimated. That is because when a shop writes an estimate, they are only estimating the damage they can visibly see. Once they begin repairs and teardown the vehicle, they often find hidden damage. This is called a supplement and it can include additional damages found, more time needed to repair these damages, or price differences found when the parts are actually ordered.

As you can see, there is much more to a repair estimate than what you might think. There are many things to look at and it can often be overwhelming. If you are worried about a particular estimate you receive from a shop, there is a guidebook called the Mitchell Guide that documents what OEM parts cost and how long repairs should take for the majority of cars. It is a useful tool to compare your estimate to the industry guidelines.

Posted 10:09 AM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

View Mobile Version
1330 Hooksett Road
Hooksett, NH 03106
Tel: (603) 668-0686

Email Us
Personal Insurance
Business Insurance
Employee Benefits
Privacy Policy