The short answer
Compare the estimate with the visible damage and necessary repair work, not only with the final amount; unclear items should be addressed before work starts.
Check whether the damage list is complete
Review body elements, parts, labour and paint operations. An estimate based only on an external inspection may need an update after dismantling.
Look at the repair method
The technology, preparation and control steps matter as much as the part names. A specific position needs to be assessed against the actual vehicle and damage.
Keep the estimate and ask precise questions
Save the estimate and photographs. You can ask the insurer to explain a line or request a review of the actual repair scope without assuming every difference is an error.
This is general information, not a decision on a specific claim
This is general information, not a decision on a specific claim. The right next step depends on the documents, damage and insurer’s position.