An insurance estimate is usually written from photos or a short walk-around inspection, while shop-written auto body repair estimates come from full disassembly. At Committed Collision & Auto Body Center, we understand that the two numbers may not match at first because hidden damage and calibration work only show up once panels come apart.
Key Takeaways
- Insurance estimates rely on limited information: Adjusters typically build the first number from photos, an initial inspection, and a brief walk-around before your vehicle is disassembled.
- New Hampshire law protects your choice of shop: Insurers cannot require you to use a specific repair facility under N.H. Admin. Code Ins 1002.17.
- Calibration work drives many supplements: 56.5% of calibrations tied to direct repair program claims in Q1 2025 were added as a supplement rather than the initial estimate, according to CCC Intelligent Solutions data reported by Repairer Driven News.
Why Do Insurance Estimates and Shop-Written Estimates Differ?
The two numbers are built from different amounts of information. An adjuster prices what is visible before your vehicle is opened. We price what disassembly and OEM repair procedures show once it is opened.
What Do Insurance Estimators See First?
An adjuster’s early review happens away from the repair shop, often the same day you file a claim. This desk-based process gives you a fast number to plan around, but it is not the number your shop will finalize, since your vehicle has not been disassembled yet. At Committed Collision & Auto Body Center, we treat this early figure as a starting point, not a final answer.
How Do the Two Estimate Types Compare?
We open every vehicle before writing a final auto body repair estimate. This step reveals bent brackets, damaged sensors, and structural issues no photo can show. Late-model vehicles carry more Advanced Driver Assistance System hardware than older cars, and that hardware often needs calibration once repairs are complete. When calibration is required, Committed Collision & Auto Body Center works closely with Automotive Alignments & Calibrations LLC to complete that work to manufacturer specifications.
| Feature | Insurance Initial Estimate | Shop-Written Estimate |
| Basis | Initial inspection, photos, claim information, visible damage | Shop inspection, diagnosis, teardown, documentation, applicable OEM procedures |
| Timing | Usually after first inspection; sometimes before drop-off | Finalized after teardown |
| Hidden damage | Often missed | Documented with photos, notes, and repair information |
| Calibration costs | Frequently absent at first | Added once ADAS scan results are known |
| Who reviews it | Insurance adjuster or appraiser | Shop estimators or qualified repair staff; insurer may review supplements |
What Should You Do If the Estimates Don’t Match?
Follow these steps when your insurer’s number and our number are not the same.
- Request the itemized shop estimate: Ask for a written, itemized breakdown of every part, procedure, and labor line before you approve repairs.
- Let us submit the supplement: We send supplements directly to your insurance company with photos and OEM documentation to support each added line item.
- Ask about your right to choose your shop: New Hampshire drivers can select any repair facility for professional auto body repair, regardless of which shop an insurer recommends, under N.H. Admin. Code Ins 1002.17. An insurer’s settlement offer must reflect a fair and reasonable local price for comparable services
Frequently Asked Questions
Does a supplemental estimate mean my repair costs more than expected?
A supplement usually means hidden damage or required calibration was found after disassembly, not that your shop is charging extra without reason. Each supplement should include documentation your insurer can review.
Can my insurance company force me to use a specific auto body shop?
No. New Hampshire law allows drivers to choose their own repair facility. An insurer may limit payment to a competitive local rate, but it cannot require you to use a particular shop.
How long does it take for an insurer to approve a supplement?
Approval time varies by insurer and the complexity of the added repairs, though calibration-related supplements often take longer because they require additional documentation and review.
Get a Written Auto Body Repair Estimate You Can Trust
Committed Collision & Auto Body Center has served the New Hampshire Seacoast since 2005. Our estimating team reviews every claim before your vehicle leaves our facility. If your insurer’s number and our number don’t match, we’ll show you why in writing. Searching for auto body repair in North Hampton, NH? Contact us at (603) 926-1900 or info@committedcollision.com for a free estimate, and we’ll walk you through how we built your number.