Things to Consider when Getting a Collision Center Estimate If the damage is being covered by an insurance company, Please contact the insurance company first as most insurance companies write their own estimate and do not pay from a Collision Center Estimate. If you do have an estimate written by an insurance company but are concerned it will not cover the complete repair, that is normal. Once the vehicle is in the shop, the shop will evaluate the damage and call the insurance company to cover any additional damage found. This is called a supplement.