List the basic steps of the auto damage estimation process?

• A. Inspect only, then write a check.
• B. Inspect vehicle, document damage with photos, determine coverages, source parts/labor, prepare a line-item estimate, review with insured/repair shop, and finalize settlement.
• C. Start with settlement, then inspect.
• D. Do nothing until the customer complains.

Answer: (B)

The steps tested here follow a logical, comprehensive workflow for auto damage estimation. Start with a thorough inspection of the vehicle to identify all damage, including any hidden issues. Document what you find with clear photos and notes to create an accurate record. Next, determine the applicable coverages under the insured’s policy so you know what the claim will cover and any limits or exclusions. Then source parts and labor by evaluating availability, cost, and appropriate repair methods with shops or suppliers. With that information, prepare a detailed line-item estimate that breaks out every repair task and its cost. Review this estimate with the insured and the repair shop to confirm the scope of work, costs, and any questions. Finally, finalize the settlement once all parties agree on the scope and price and arrange payment.

Other options skip essential steps or the proper sequence (for example, rushing to a settlement without a complete inspection and documentation, or doing nothing until a complaint is made), so they don’t provide a sound, defensible estimate.