After a car accident, confusion sets in quickly. One of the first questions drivers ask is how many estimates should I get before moving forward. Friends say three estimates. Online advice says get more estimates. Insurance conversations can add even more noise. The truth is that the right answer depends on your situation, your insurance claim, and the quality of the repair shop writing the estimate.
At Re-Lux Collision, we help drivers make an informed decision every day by focusing on accuracy, safety, and quality repair rather than chasing numbers. This article explains how many estimates you actually need, when multiple estimates help, and when only one estimate is the smartest move.
Why This Question Matters More Than Most Drivers Realize
An estimate is not just a price. It is the scope of work for your vehicle repairs. A rushed or incomplete estimate can miss structural damage, safety system calibrations, or necessary repair work. When an estimate misses key procedures, the repair process slows, costs change, and frustration builds.
On the other hand, getting multiple estimates just for the sake of it can delay the insurance claim and create conflicting repair plans. Understanding how many estimates you need helps protect your damaged vehicle, your time, and your money.
Where the Three Estimates Rule Came From
The Origin of the Myth
The idea of three estimates comes from contractor bids in a home improvement project. Homeowners are often told to get three estimates from contractors before approving work on a roof, a new roof, or other property damage. In that world, comparing contractor bids can help determine a fair deal.
That advice has carried over into collision repair, even though vehicle damage is very different from a roofing company replacing shingles.
Why Collision Repair Is Different
Collision repair is not like hiring a roofing contractor or choosing a reputable contractor for a home project. Modern vehicles are engineered systems. Materials-based construction, electronics, and safety systems make every repair unique.
Hidden damage is common after a car accident, and much of the repair cannot be fully seen until teardown. This is why multiple repair estimates can vary widely, and why the lowest estimate or a lower price does not always reflect the quality of the job.
How Many Estimates Do You Actually Need?
The Short Answer
For most drivers, one estimate from a qualified repair shop is enough to get started. A second estimate can help when something feels off. Three estimates are rarely required and usually apply only in limited situations, such as large out-of-pocket costs where comparison is necessary.
Why Quality Beats Quantity
A single estimate that is detailed and accurate is more valuable than three estimates that are rushed. A proper itemized estimate includes labor costs, materials, parts selection, scanning, calibrations, and manufacturer-required steps.
When drivers focus only on getting multiple estimates, they often miss the importance of quality work and safety.
If Insurance Is Involved, Here Is What You Should Know
Do Insurance Companies Require Multiple Estimates?
Most auto insurance companies do not require you to collect three estimates. Many insurance providers write their own insurance estimate through photos or an inspection by an insurance adjuster.
That estimate is a starting point, not the final word on the repair. Many auto insurance companies expect the repair shop to submit supplements if additional damage is found.
Your Right to Choose Your Repair Shop
You have the right to choose your repair shop. Even if an insurance company refers you to recommended collision repair shops, you are not required to use direct repair facilities or a direct repair program.
A repair shop recommended by your insurer may be convenient, but the decision should always be yours. Choosing a repair shop with a reputation for quality repair helps ensure your vehicle is fixed correctly.
When a Second Estimate Makes Sense
Red Flags in an Estimate
Getting multiple estimates can be helpful when the first estimate seems incomplete. Warning signs include vague descriptions, missing procedures, or a price that seems unusually low.
A line-by-line comparison can reveal whether the entire line of necessary work is included. If an estimate missed calibrations or safety-related steps, a second estimate can protect you.
Why Estimates Often Change After Repairs Begin
It is normal for estimates to change during the repair process. Hidden damage is common, and supplements are part of professional collision repair.
This does not mean the shop is cutting corners. It means the shop is addressing all vehicle damage to deliver a quality repair.
Paying Out of Pocket? Here Is a Smarter Approach
When Comparing Estimates Is Helpful
If you are paying out of pocket, getting multiple estimates can help you understand pricing and options. This is similar to homeowners comparing contractors for a roof replacement.
However, even in a home improvement project, reputable businesses focus on scope of work rather than just price.
What to Compare Besides Price
Price alone does not determine value. Compare the materials used, whether refurbished car parts or OEM parts are included, the warranty offered, and the experience of the repair shop.
A high estimate may reflect proper procedures, while the lowest estimate may rely on cheaper materials or cut corners.
Why One Trusted Estimate Can Save You Time and Money
Starting with one estimate from a trusted repair shop simplifies the process. It helps determine whether filing an insurance claim makes sense based on your deductible.
It also reduces delays caused by conflicting estimates. When a single estimate is thorough, it supports a smoother repair process and helps ensure excellent job results.
Common Mistakes Drivers Make When Getting Estimates
Chasing the Lowest Number
Low bids can be appealing, but they often leave out critical steps. A lower price may look like a fair deal, but it can lead to additional costs later or incomplete repair work.
Assuming All Estimates Are the Same
Not all estimates are created equal. Different auto body shops may write estimates differently based on training, equipment, and philosophy.
This is why getting multiple estimates does not always mean better clarity.
Filing a Claim Before Knowing the Real Cost
Filing an insurance claim before getting one estimate can affect your insurance record. Understanding the reasonable amount for repairs first helps you make an informed decision.
How Re-Lux Collision Approaches Estimates Differently
At Re-Lux Collision, we believe the estimate process should be clear and educational. Our team performs thorough inspections, writes a detailed itemized estimate, and explains the scope of work so you understand the entire process.
We work with insurance companies while advocating for proper vehicle repairs. Our focus is on quality work, best service, and long-term safety, not just speed or price.
Frequently Asked Questions
Do I Really Need Three Estimates for Insurance?
In most cases, no. Many drivers are fine with only one estimate, especially when insurance is involved.
Can I Get an Estimate Without Filing a Claim?
Yes. A single estimate helps you decide whether to file an insurance claim.
Why Is One Estimate Higher Than Another?
A high estimate often includes procedures and materials that others leave out.
What If Insurance Says the Estimate Is Too High?
A reputable contractor-style repair shop can justify necessary repairs and address collision coverage limitations.
How Long Does an Estimate Usually Take?
Most estimates can be completed quickly, though severe vehicle damage may require more time.
Is a Free Estimate Accurate?
A free estimate can be accurate, but additional damage may be found during repairs.
Can Estimates Change Once Repairs Start?
Yes. Supplements are common and reflect additional damage discovered.
Final Takeaway: Get the Right Estimate, Not the Most Estimates
So how many estimates should I get? The answer is rarely about a specific number. One estimate from a trusted repair shop is often enough.
Getting multiple estimates can help in certain situations, but more estimates do not always mean better results. Focus on accuracy, quality, and transparency.
Whether you are dealing with auto insurance companies, property damage, or paying out of pocket, the goal is a safe and proper repair.
If you have questions or want clarity before moving forward, our team is here to help. Get your free estimate today and let us guide you through the process with confidence.
