This guide covers collision repair estimate for Calgary drivers, from the experts at MG Collision Centre.
Quick answer: A collision repair estimate lists each damaged part, whether it will be repaired or replaced, the part type (OEM, aftermarket or recycled), labour hours for body, frame and paint work, paint materials, and any outside services. Supplements are added when hidden damage is found after teardown.
Your estimate can look like a wall of codes and numbers. Once you know the sections, it is easy to see what you are paying for and to ask the right questions.
1. Vehicle and Claim Information
The top of the estimate shows your vehicle’s year, make, model, VIN, mileage and paint code, plus your insurance company and claim number. Check that these are correct; the wrong trim or paint code can affect parts and colour.
2. Parts List
Each line shows a part, its price and its type:
- OEM: made by or for your vehicle’s manufacturer
- Aftermarket: made by a third-party supplier
- Recycled or used: original parts from another vehicle
- Repair: the existing part will be fixed instead of replaced
Read our comparison of OEM vs. aftermarket parts.
3. Labour Operations
Labour is listed in hours by category:
- Body labour: removing, installing and repairing panels
- Frame or structural labour: measuring and straightening
- Refinish labour: preparing and painting panels
- Mechanical labour: suspension, cooling or electrical repairs
Labour times come from industry estimating databases, which is why computerized estimates are consistent and accurate.
4. Refinish and Blend
“Blend” means lightly painting the panels next to a repaired panel so the colour transitions seamlessly. It is a normal and important step for a perfect colour match.
5. Paint and Materials
This covers paint, primer, clear coat, sandpaper, masking and other consumables, usually calculated from refinish hours.
6. Sublet Services
Work done by specialists or outside providers, such as wheel alignment, glass, or camera and radar calibration, appears as sublet.
7. Supplements
A first estimate is based on visible damage. Once the vehicle is taken apart, hidden damage is common. The shop documents it with photos and sends a supplement to your insurer for approval. This is normal and does not mean the first estimate was wrong.
8. Totals, Taxes and Your Deductible
The bottom shows the subtotal, GST and your deductible. If your claim is approved, your insurer usually pays the shop directly and you pay the deductible.
Questions to Ask About Your Estimate
- Which parts are OEM and which are not?
- Is any structural or sensor calibration work included?
- What warranty covers the repair?
- How will you handle supplements with my insurer?
Key Takeaways
- A collision repair estimate lists parts, labour, paint and materials.
- Supplements to a collision repair estimate are normal when hidden damage is found.
- Ask which parts on your collision repair estimate are OEM.
Collision repair estimate: Frequently Asked Questions
Why are there two estimates for my car?
Your insurer may write its own estimate while the shop writes another. Differences are reconciled through supplements once the vehicle is disassembled.
What does “R&I” mean on an estimate?
R&I means remove and install: a part is removed to access damage and then reinstalled.
What is a supplement?
A supplement is an addition to the original estimate for hidden damage discovered during repairs, submitted to your insurer for approval.
Are estimates free at MG Collision Centre?
Yes. We provide free computerized estimates.
Helpful resource: Insurance Bureau of Canada.
Get Your Free Estimate at MG Collision Centre
MG Collision Centre has served Calgary drivers for more than 15 years. We work with all major insurance companies, use OEM parts, match paint with computerized colour technology, arrange rental vehicles and back our collision repairs with a lifetime warranty. Call +1 (587) 453-3333, email info@mgcollisioncentre.com, or visit us at 933B 48 Ave SE, Calgary, AB T2G 2A7 (Monday to Friday 8:00 AM–5:00 PM, Saturday 9:00 AM–4:30 PM). Request your free estimate online.
