Your insurance company will send an insurance adjuster or appraiser to inspect the damaged vehicle(s). The adjuster or appraiser then writes an estimate based on the initial inspection. If further damage is found during the repair process, the repair shop will contact the insurance company to get approval for the additional cost of repairs they are recommending. The insurance company may choose to send out an adjuster to re-inspect the additional damages. If there is only minor damage your insurance company may ask you to obtain competitive estimates of the recommended repair work. It is your responsibility to sign and authorize the shop to repair your vehicle once you are satisfied with the final estimate and repair facility.