Car accidents are stressful on their own, but finding out that repair costs exceed the original estimate can make the situation even worse. This happens more often than many drivers expect, especially when hidden damage is discovered during repairs. Understanding how your auto insurance handles these adjustments can help you avoid unexpected expenses and disputes. At IAL Insurance in Indianapolis, IN, we help drivers navigate these situations with confidence.

How Insurance Companies Handle Estimate Changes

When repair costs exceed the initial estimate, your insurance adjuster must usually approve the additional work before it can begin. Most reputable repair shops will contact your insurer as soon as they find supplemental damage, such as bent structural components or electrical issues. The insurance company may send an adjuster to reinspect the vehicle or request detailed documentation and photos from the repair shop. Although this can delay repairs for a few days, it ensures that the additional damage is reviewed and properly covered.

Your Rights During the Process

You have the right to receive clear explanations for any supplemental repairs that are denied. Insurance companies must provide written justification if they refuse to cover damage that was not visible during the first inspection. If you disagree with the decision, you can request a second opinion from another adjuster or use your policy’s appraisal clause if it is included. Always document everything, including photos, damage notes, and copies of estimates.

Preventing Coverage Gaps

Choose a repair facility that has experience working directly with insurance companies and handling supplemental claims. Ask about their process for identifying and reporting hidden damage before giving authorization for repairs.

Unexpected repair costs do not have to catch you off guard. Contact IAL Insurance in Indianapolis, IN, to review your policy and ensure you understand how supplemental damage claims work under your coverage.