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What Is an Insurance Supplement?
Why a repair estimate can change after the car is disassembled, and why that's normal.
The first estimate is a starting point
An initial estimate is written from what's visible. Once panels and covers come off, we often find damage behind them.
What a supplement is
A supplement is an added request to your insurer for the extra damage or parts. We document it with photos and send it to your adjuster.
Why it matters to you
Without it, either the damage doesn't get fixed or the cost lands on you. Submitting it keeps the repair complete and the claim accurate.
How long it takes
Approval time varies by insurer. We'll tell you when a supplement is in and what it means for your timeline.