Vehicle repair checklist after an accident

Use this vehicle repair checklist after an accident to document the damage identified, record required repairs, and ensure all necessary items are addressed.

Phase 1 · Before repairs begin

1.  Confirm repair coverage with insurance

Start here. Approval up front prevents denied costs later.

• Confirm whether repairs fall under collision or comprehensive coverage
• Verify the deductible amount and when you need to pay it
• Ask whether pre-authorization is required before repairs begin
• Confirm whether you can choose your own repair shop
• Ask whether the insurer uses preferred or in-network shops
• Request written confirmation of repair approval
• Record your claim number and adjuster contact details

2.  Choose a repair shop

You usually have the right to pick your own body shop, even if the insurer suggests one. Your right to choose a shop varies by state. Confirm the rule where you live before agreeing to an insurer-directed shop.

• Confirm the shop is licensed and certified
• Check its experience with insurance-claim repairs
• Ask whether the shop offers a repair warranty
• Verify certifications such as ASE, I-CAR, or manufacturer approval
• Review recent customer ratings and reviews
• Confirm the shop handles insurance paperwork directly
• Ask about repair timelines and parts availability

3.  Get a repair estimate (and lock in the parts)

A written estimate prevents billing disputes and underpayment, and parts decisions happen here.

• Obtain a written repair estimate
• Ensure it itemizes labor, parts, and paint
• Confirm which parts the estimate uses — OEM, aftermarket, or recycled/refurbished:
• OEM (original manufacturer parts)
• Aftermarket parts
• Recycled or refurbished parts
• Review your policy for OEM parts coverage and request OEM parts if needed for safety or resale value
• Submit the estimate to your insurer and compare it against the insurer’s estimate
• Confirm structural and safety systems will be restored to manufacturer specifications
• Ensure ADAS, sensor, and camera calibrations are included
• Ask how supplemental (hidden) damage found later will be handled

Phase 2 · During repairs

4.  Arrange transportation

Rental coverage depends on your policy and claim type — check before you book.

• Confirm whether rental car reimbursement is included
• Check daily and total rental limits
• Arrange a rental through the insurer or repair shop
• Confirm repair start and end dates
• Keep receipts if you pay upfront
• Ask about alternative transportation reimbursement

5.  Monitor the repair process

Staying involved helps you catch delays and uncovered costs early.

• Confirm the repair start date
• Request regular progress updates
• Review and approve any supplemental repair estimates
• Make sure the insurer approves added costs in writing
• Track delays caused by parts or labor shortages
• Keep every repair-related conversation documented

Phase 3 · After repairs

6.  Inspect the vehicle before pickup

Never accept the car until repairs meet quality and safety standards.

• Inspect paint color and finish
• Check panel alignment and gaps
• Test lights, sensors, and cameras
• Confirm all warning lights are off
• Take a test drive
• Confirm safety systems function properly
• Review the final invoice against the original estimate

7.  Collect repair documentation

These records protect you if problems surface later or when you sell the car.

• Final repair invoice
• Warranty documentation
• Parts replacement list
• Calibration and safety-system records
• Proof of insurance payment
• Before and after photos

8.  Address repair problems or disputes

If repairs are unsatisfactory, act immediately to protect your claim and your safety.

• Report issues to the repair shop
• Notify your insurance adjuster
• Request a reinspection
• Escalate to an insurer supervisor if needed
• File a complaint with your state insurance department
• Seek legal advice if repairs affect safety or vehicle value