It is not uncommon for an insurance estimate to be considerably different than an estimate written by a body shop. There is a multitude of reasons for this, mainly due to estimates written before a thorough teardown of the car has been performed. Insurance companies cannot see the full extent of damages due to an accident, so their initial estimate can reflect quite differently than the final repair costs. It is the responsibility of the insurance company to pay for additional hidden damage after repairs begin not the customers. This additional cost is called a supplement, and it is very common. Scotty’s has procedures in place to ensure that ALL damage will be documented and billed to the responsible insurance company.