Not until you've compared it with a repair facility's estimate and understand what's included. An insurer's first estimate is often written from photos or a quick look, and hidden damage usually shows up once the vehicle is taken apart.
Virginia regulations say an insurer's repair estimate must be an amount for which the damage may reasonably be expected to be satisfactorily repaired, and the insurer must give you a copy (14VAC5-400-80).
Look at parts types (new, aftermarket, used), labor hours, paint and materials, and whether items like calibrations or scans are included. Ask about anything your repair facility lists that the insurer doesn't.
When a repair facility finds more damage after teardown, it usually submits a supplement to the insurer. Accepting a first estimate doesn't always end the claim, but ask how supplements will be handled before you sign anything that says final.
On your own policy, the appraisal clause usually provides a formal way to resolve a disagreement over the amount. On the other driver's insurer, documentation from an independent appraiser can help.
Three sides to every claim. I've worked all of them. Geoffrey C. Albach has spent 33 years in the industry as an independent appraiser, a former insurance staff adjuster, and a collision repair operations director.
By Geoffrey C. Albach, independent auto damage appraiser · About Geoff
Related guides: How to read your estimate · OEM vs. aftermarket parts · Virginia's appraisal clause · Do I Need an Independent Appraiser? · What Documents to Gather for an Auto Damage Claim · All guides
Areas we serve: Lynchburg · Roanoke · Charlottesville · All areas
No. You can question it and provide your own estimate.
The repair facility usually submits a supplement to the insurer for the additional damage.
Yes. Virginia regulation 14VAC5-400-80 requires the insurer to give you a copy.
General information, not legal advice. Talk to a Virginia attorney about your specific claim.
Call or text Geoff at 434-665-6059. Lynchburg, VA.
