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"If the repairs to my car exceed the insurance estimate, will I get stuck paying the diffence?" No. Unlike other businesses, an estimate is not a "locked in" amount except in unusual cases. In collision repair, the estimate is the starting point used by the insurance company and the shop. Once the car is disassembled, the shop notifies the insurance company that a list has been compiled of items that were not seen when the original estimate was written. The insurance company then sends out a person to go over the additions and once verified and completed, to make a "supplemental" payment to the shop. The customer is kept informed throughout the process so they know what other repairs were done to their car. "The shop up the street says they warranty their work for as long as I own the car which will be longer than the manufacturer's warranty. How can they do that?" They are betting you won't have your car longer than their repairs hold up which will definitely not be a lifetime. All the good shops spend a lot of money to get the best technicians and use the best materials on your car. But none of us can realistically back up that kind of a warranty. True polyurathane paints last a lot longer than the old lacquers and enamels, but it's still a fact of life that paint eventually shows its age.
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