Understanding the Estimate
What a collision estimate actually contains, why the first number is a starting point, and how to read yours line by line.
An estimate is an itemized prediction of the repair: parts, labor operations, refinish time, and materials. Two things make estimates confusing — the jargon, and the fact that the first estimate almost never equals the final bill. Both are fixable with a short explanation.
What the lines mean
Parts lines list each component with a type: new OEM, aftermarket, or recycled. Labor lines are split by type — body, frame/structural, mechanical, refinish — because they're billed at different rates. Paint and materials cover the consumables of refinishing. 'R&I' means remove and reinstall; 'R&R' means remove and replace.
Why the number changes
The initial estimate covers visible damage. Disassembly regularly reveals more — bent brackets behind a bumper cover, a kinked reinforcement behind a fender. Those additions are documented as supplements with photos and submitted to the insurer. Subject to inspection and disassembly, expect the final repair plan to differ from the first estimate; what shouldn't change is your visibility into why.
Have an insurer's estimate already?
Bring it — or upload it with your estimate request. We compare it against the vehicle and the manufacturer's repair information, and document anything it missed. An insurer's initial estimate is also a starting point, not a ceiling on a proper repair.
Working through an insurance claim?
You choose the shop. We help manage the repair — documentation, supplements, and adjuster communication.