Should I get a shop estimate for my car repairs?
I was recently involved in a hit-and-run incident. Given that I can’t leave my car at a shop for a week without struggling to pay my bills and the deductible, I’ve opted to take the payout and handle the repairs myself.
I’ve heard that a photo estimate is not sufficient unless paired with a shop estimate, but my insurance agent has added to my confusion. He mentioned that they typically don’t provide shop estimates for payouts and that even if I obtained one, it wouldn’t make a difference since “a shop not authorized by the insurance could replace parts that could actually be repaired.”
Should I still get a shop estimate, or is it better to just proceed with the photo estimate and move on?
It sounds like you’re in a bit of a tough spot with your insurance and the repairs after the hit and run. Getting a shop estimate can be beneficial for a few reasons, even if your insurance agent has indicated that they may not take it into account.
Clarity on Repair Costs: A shop estimate will give you a clear understanding of what needs to be repaired and the associated costs. This can help you budget for your DIY repairs more accurately.
Quality of Repairs: A professional estimate may highlight aspects of the damage that you might not notice yourself, ensuring you don’t overlook anything important when making repairs.
Negotiate with Insurance: Even if your insurance company doesn’t consider it for a payout, having a detailed estimate can provide leverage if you choose to negotiate with them.
Future Reference: If you encounter issues down the line related to the repairs, having a detailed estimate from a shop can help if you need to provide documentation later.
Ultimately, if you have the time and can manage the cost of the estimate, it could be worth it to get the shop estimate before you commit to the photo estimate. Just weigh the costs and benefits based on your situation. If you’re confident in managing repairs on your own and are willing to move forward without the shop estimate, that’s also completely valid. Good luck with your repairs!