Question for folks familiar with claims workflows:
How accurate or useful are early damage estimates before an adjuster inspection actually happens?
I’m curious whether preliminary estimates are generally close, or if things tend to shift a lot once inspections and documentation are finalized.
How reliable are early damage estimates before an adjuster inspection?
byu/lexmeyers11111 inInsurance
Posted by lexmeyers11111
2 Comments
My recent experience. Some AI phone app estimated $2,700 in damages based off of a few photos. Body shop estimated $8,000. Insurance company totaled the car and wrote me a check for $10,000.
I tell people they’re really meant to determine if a car is going to total or not. I’ve never seen one be spot on but supplements always take care of the difference. I wouldn’t worry if you get a low initial estimate because that’s not the final amount insurance will pay.