When you get an auto repair cost estimate, most insurance companies will pay the amount immediately. Although the amount has been agreed on, it does not necessarily mean that you will receive it. There is a possibility of discrepancies with the auto repair cost estimate, and some repairs have been overlooked. If this is the case, you must contact your insurance company again to reopen the case of your cost coverage. Get an estimate from more than one company to further evidence the auto repair cost estimates to the insurance company. A good insurance company will pay the auto repair cost estimates.
For more info, see Advantages and Disadvantages of Auto Repair Insurance