Existing paperwork
Bring the insurer's estimate and relevant photos. Ask about differences between the visible-damage estimate and the proposed repair scope.
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Insurance Repair Questions
Have the claim number, insurer contact and any existing estimate ready when you call. Keep the repair scope and insurance coverage questions separate: your insurer determines what the policy pays.
Ask the shop what documentation it can provide for the job and who will communicate about additional damage. Confirm the customer balance, payment arrangements and any uncovered items before authorizing work.
Repair topics to understand
Additional damage
If further work is proposed, request an explanation of the added operations and any corresponding cost or timing changes.
Coverage and payment
Confirm the deductible, applicable limits and exclusions with the insurer. Ask how payment will be made and whether any amount remains your responsibility.
Rental and transport
Check rental coverage and limits separately. Repair timing does not automatically extend a rental benefit.
Plan the work before it begins
Ask about the estimate, any additional inspection, repair authorization, parts and completion checks. The applicable steps depend on the vehicle and agreed scope. See the full process.
Insurance Repair Questions, FAQ
Can I choose a repair shop in California?
California's Auto Body Repair Consumer Bill of Rights includes your right to select the repair shop for covered body damage. Coverage and payment still depend on the claim.
Will I owe only my deductible?
That cannot be promised. Confirm the insurer's approved amount, deductible, any uncovered work and the payment arrangements before repairs proceed.
Discuss your vehicle and the proposed work.
Tell us about the vehicle, the damage and what you need next.