Estimating & Repairing Your Vehicle Damage - Overview

The first step to repairing your vehicle is to report your claim to our Contact Centre by telephone. The next step is to receive an estimate of damage to your vehicle.

All claims can be estimated at one of our Service or Claim Centres, and certain qualifying claims can receive an estimate at a participating repair shop. Your estimate options will be discussed with you when you report your claim.

An estimator will identify the damage to your vehicle and determine what repairs it needs.

Once your estimate is complete, you can then make an appointment at the accredited repair shop of your choice to have the damage repaired. (Whether your estimate is conducted at a Service or Claim Centre, or a participating Direct Repair shop, your vehicle can be repaired at any accredited repair shop that is qualified to repair your vehicle.) If you qualify for and participate in Direct Repair, you can enjoy the convenience of having your damage estimate and repair conducted at the same repair shop.

If your vehicle requires specialized repairs or contains complex materials such as aluminum, boron steel or carbon fibre, repairs may need to be completed by an Original Equipment Manufacturer (OEM) certified or qualified facility.

Use our repair shop locator tool (from our homepage, click the My Repair Claim button) to locate a qualified shop near you to repair your specific vehicle. If your claim qualifies for Direct Repair, you can input your claim number and search for a participating Direct Repair shop that is qualified to estimate your vehicle.

We strongly recommend against repairing your vehicle yourself or having it repaired at a facility that is not MPI accredited to do the work. This is because vehicle repairs are complex and may require specialized tooling, training and equipment to bring the damaged vehicle back to manufacturer standards. If you choose to do the repairs yourself, we’ll need to inspect your vehicle to make sure the repairs were done properly. There are specific requirements that must be met for the vehicle to pass inspection – contact us about your repairs before you begin any work.

Once your vehicle has been repaired, you can perform post-repair checks to be confident your vehicle has been returned to pre-collision condition. If you have concerns about your repair, your first step is to discuss them with your repair shop. If you remain unsatisfied, talk to your adjusting team.

Post-repair checks

  • Examine the appearance of the repaired area.
  • Check freshly painted areas for good colour match.
  • Check that mechanical parts (e.g., doors and trunk lid) open and close smoothly.
  • Check electronic accessories for proper operation.
  • On the drive home, check for unusual noises and test the handling of the vehicle.