NJ Rules on Estimates and Your Consumer Rights
After an accident, you might hear that you must collect three different repair estimates before your insurer will approve the work. This common belief leads to unnecessary hassle and delays, and it is not supported by New Jersey law. In this article, we clarify when multiple estimates are needed, what must be included in a single estimate, and how to protect yourself during the process.
Why insurers ask for multiple estimates
Insurance companies sometimes encourage customers to get multiple estimates to ensure they pay a fair price for repairs. Comparing estimates can highlight cost differences and prevent inflated charges. However, chasing down several shops rarely helps the customer. Each estimate takes time, may require leaving your car overnight for inspection and can lead to confusion if the scope of repair varies. More importantly, New Jersey regulations do not require you to provide more than one estimate.
Your rights under New Jersey law
According to the New Jersey Administrative Code, licensed auto body shops must provide customers with a written estimate that itemizes labor, parts and paint materialslaw.cornell.edu. The estimate should clearly distinguish between OEM and aftermarket parts and outline any charges for refinishing or additional procedures. If you decide to proceed with the repair, the shop must notify you and obtain approval if costs exceed the estimate by more than 20 %livingstoncollision.com. They must also allow you to inspect the completed repairs and, upon request, return any replaced parts to youlaw.cornell.edu.
Contrary to popular belief, there is no state law requiring multiple estimates. As long as you receive a detailed, written estimate from a licensed shop, that document is sufficient. If your insurer doubts the cost, they may compare it to their own estimate or ask the shop to justify certain charges. They cannot, however, force you to obtain estimates from other shopslivingstoncollision.com.
Why a single detailed estimate is often better
Obtaining one thorough estimate from a trusted shop offers several advantages:
- Consistency in scope: Multiple estimates may vary because each shop interprets damage differently. A detailed estimate from a reputable shop will explain line by line what needs to be repaired and why.
- Time savings: Each additional estimate requires scheduling, travel and waiting while the car is assessed. This delays repairs and can leave you without a vehicle longer.
- Quality of documentation: A well‑prepared estimate includes photos, part numbers and labor times. This helps the insurer understand the repair plan and reduces questions.
Choosing the right shop for your estimate
- Check credentials: Look for I‑CAR and OEM certifications. These indicate the shop understands manufacturer repair procedures.
- Ask about DRP status: DRP shops can often submit estimates directly to insurers and receive quick approvals. Independent shops, including those like Bridgewater Collision & Repair, may advocate more strongly for OEM parts and proper procedures but still work efficiently with insurers.
- Request transparency: The estimator should walk you through the proposed repairs, point out hidden damage that might affect costs and explain any potential supplements (additional repairs discovered later).
- Get it in writing: A verbal or handwritten estimate on a blank form is insufficient. Ensure the estimate is typed, itemized and includes the shop’s license number.
What this means for you
- You do not have to produce multiple estimates. One comprehensive estimate from a licensed shop is sufficient under New Jersey law.
- Insist on a written, detailed estimate that itemizes all labor operations and identifies the types of parts being usedlaw.cornell.edu.
- Review the estimate with the shop. Ask questions about any abbreviations or unfamiliar terms.
- Keep records of all estimates, supplements and invoices. If there is a dispute later, these documents provide evidence of agreed repairs and costs.
- Communicate with your insurer. Provide them with the estimate and ask if they have any questions. This helps avoid delays in approval.
A final word
The aftermath of a collision is stressful enough without having to drive around collecting quotes. New Jersey law puts the focus on the quality and transparency of your estimate, not the quantity. By selecting a reputable repair facility and obtaining a clear, detailed estimate, you can keep your claim moving forward and ensure your vehicle receives proper repairs. If you have questions about estimates or need help understanding the process, a qualified collision repair professional can explain your rights and help you navigate the insurance requirements.