Insurance companies and repair facilities both write estimates based on the damages they can see. If there are additional damages or part price increases, we will contact the claims supplement departments for approval. In many cases, the insurance companies require one of their field adjusters to inspect the additional damages and approve further charges/payments. Once the adjuster comes to an agreement with the repair center, additional damages payment will be issued directly to the repair facility. In most cases, the only amount of out-of-pocket expenses you will have for the repairs to your vehicle is your deductible.