A repair estimate is ready. What should you ask before authorizing work?

Ask the shop and insurer to identify the work included, parts proposed, deductible, and any amount they expect you to pay. An initial estimate is based on the damage inspected so far. CDI explains that additional damage found during repairs can require insurer approval. Do not assume every later item or optional improvement will be covered just because a claim number exists. Get unclear items explained before you authorize work.

Choose a contact at the shop and one at the insurer. Ask who submits a supplement for newly found damage, how approval is recorded, and who will tell you whether timing or your cost changes. CDI says an insurer cannot require a particular repair shop. If you ask for a recommendation or select another shop, confirm the process and written estimate for that choice. Keep authorization forms and messages in the same folder.

Before collection, ask the shop to explain the invoice and the parts actually used. Compare it with the authorized work and ask about any unresolved item. Keep photos, receipts, insurer correspondence, and the shop's warranty information. Cardona's can help you find your policy or claim contact, but the insurer and repairer must address their own decisions. If transportation is still needed, check rental limits separately instead of assuming every repair day is paid.