When your auto repair estimate seems too low, it is usually because of missing damage, rushed assessments, or outdated labour rates. A low estimate does not mean the insurer is correct. You can take simple steps to correct it without causing delays.
1. Why Estimates Are Often Low
Insurers often write the first estimate quickly. It may only include visible damage, may not include teardown, and may use labour rates that do not match Alberta repair shops. This is common and fixable.
2. Get a Second Estimate
A second estimate from a reputable repair shop gives you a clearer picture of the real repair cost. Do not start repairs yet. Wait for insurer approval.
3. Compare the Two Estimates
Look for missing parts, missing labour operations, structural items not included, or differences in labour hours. Most low estimates are missing several items.
4. Send the Updated Estimate to the Insurer
Send the shop’s estimate and ask for a review. A simple message is enough:
“Please review the attached repair estimate. It includes additional damage and updated labour operations not listed in the original estimate.”
5. Request a Supplement
If the insurer disagrees, ask for a supplement. This is the normal process for adjusting an estimate after new damage is found.
6. Ask for a Re‑Inspection
If needed, request a second adjuster, a field inspection, or a joint review with the repair shop.
7. Stay Organized
Save both estimates, emails, photos, shop notes, and insurer responses.
8. When To Seek Help
You may want support if the insurer refuses to adjust the estimate, if the shop and insurer disagree, or if the estimate is far below Alberta market rates.
Key Takeaways
Low estimates are common and fixable. Get a second estimate, compare them, send the updated version to the insurer, and request a supplement if needed.
Fair Insurance Advocacy Services
I help Canadians understand their insurance paperwork and stay organized through the claim process. I do not negotiate or communicate with insurers on behalf of clients.