Do we have the right to ask for a competitive bid for car repairs?

Full question:

My son sat on the trunk of a friends car and put dent in the trunk. The parents got an estimate from the dealer for $700. We asked for a competitive bid but they refused and demanded money in 5 days or face legal action. We are willing to pay we just want to get a better price if possible. They have already made the repairs and their attorney sent a letter demanding $700. Did we have the right to ask for a competitive bid? If not, do we at least have a right to see a copy of the bill/estimate so we know they didn't have other repairs made on our dime?

• Category: Civil Actions
• Subcategory: Settlements
• Date: 04/07/2025
• State: Kentucky

Answer:

Settling this matter before a lawsuit is filed involves negotiation between both parties. While you can request to see repair bills or obtain independent estimates, there is no legal requirement for them to comply unless a lawsuit is initiated. If a lawsuit occurs, the damages claimed can be disputed in court, and you may present evidence to argue that the repair costs are unreasonable.

A repair bill serves as evidence of the damages incurred. If you dispute the repair costs, you can obtain independent estimates to challenge the reasonableness of the bill provided by the other party. During the discovery process, you can formally request documents, including estimates and repair bills, from the other party. They typically must comply with such requests within thirty days.

Insurance practices regarding estimates vary, but generally, they must be reasonable. If an insurance company provides an estimate for repairs, it should reflect a cost that is expected to cover the necessary repairs. Some states have proposed laws allowing insured individuals to obtain multiple estimates from licensed repair shops, which could establish a presumption of reasonableness in court.