Q. I'm the victim. I hate getting estimates. Do I have to get estimates?

The old rule about getting three estimates is gone. Many insurance companies have drive-up claim centers. If you can drive your car, make an appointment to have your car's damages estimated. If you cannot drive your car, the insurance company will send an adjuster out to appraise your car's damages, whether your car is at your residence, at your dealer's lot, or at a salvage yard.