Ontario Collision Repair Estimates Guide

A useful collision estimate explains the proposed work rather than offering only a total price. Before approving a repair, ask what has been inspected, which operations are included and what still needs to be assessed. A photo review can start a conversation, but it does not establish the final repair scope or confirm that a vehicle is safe to drive.

Understand the estimate and authorization

Ontario’s consumer guidance says a repairer must provide a written estimate before charging for work unless you decline the estimate and instead authorize a maximum amount. The final charge cannot exceed the estimate by more than 10%, or exceed the maximum amount authorized when an estimate was declined. Do not sign a blank work order.

Ask the shop to distinguish an initial enquiry or photo review from the written estimate and repair authorization. Keep a copy of what you approve and ask how additional findings will be explained before further work is authorized. These consumer protections are not permission to perform work you did not authorize.

Compare the scope, not just the total

Use the estimate as a checklist. Ask which panels will be repaired or replaced, which parts are specified, what refinishing is included and whether related glass, mechanical or electronic-system work has been assessed. When comparing two estimates, ask each repairer to explain differences in scope instead of assuming the lower total covers identical work.

For a vehicle with driver-assistance systems, ask whether the repair requires diagnostic work or calibration under the manufacturer’s procedures. Our ADAS consumer guide explains the questions to raise.

Ask about parts and estimate fees

Ontario’s guide for auto repair businesses describes the information that estimates and invoices should contain, including parts and labour details. If an estimate carries a fee, the business must disclose it in advance. Ask what the assessment includes, how parts are described, and what warranty terms apply.

Separate insurer approval from your repair discussion

An insurance claim does not guarantee that every proposed cost is covered. FSRA’s claims guidance explains that an adjuster assesses coverage and the claim. Ask the adjuster to confirm the deductible, any rental coverage, parts coverage and the process for additional repair findings. Ask who is responsible for any amount not covered before making a commitment.

You can also read our guide to choosing your own repair shop. Choosing a shop and establishing what your policy pays are related, but different, questions.

A practical approval checklist

Do I have the written estimate or documented maximum authorization?
Do I understand the proposed work and any assessment fees?
Are the parts, labour, taxes and other charges explained?
How will the shop obtain approval if additional work is recommended?
What has my insurer confirmed, and what may I have to pay?
What warranty and collection instructions will I receive?

Start with an assessment, not a guessed price

ZhoopZhoop does not publish a universal price for collision repairs in this guide. To discuss your vehicle, request an initial photo review or contact our Thornhill collision location at 905-886-2737.

General consumer information, not legal advice or an interpretation of your insurance policy. Sources reviewed September 26, 2026. Check current Ontario guidance and ask your insurer or an appropriately qualified adviser about your circumstances.