Appraisers may secure or use repair estimates that have been obtained by the use of:

The correct answer is based on the practice surrounding how appraisers assess vehicle damage and estimate repair costs. Appraisers typically conduct a personal inspection to evaluate the extent of the damage firsthand. This approach allows the appraiser to closely examine structural integrity, mechanical issues, and other details that might not be accurately assessed through photographs or telephone calls. A personal inspection ensures that all visible and hidden damages are considered, providing a comprehensive understanding of the vehicle's condition.

Using photographs and telephone calls can aid in the claims process and provide some information, but they lack the depth and accuracy gained from a physical inspection. Personal inspections also allow appraisers to interact directly with the vehicle owner and ask relevant questions that may clarify the circumstances of the damage, something that photographs or secondhand reporting cannot achieve. Thus, while other methods may be used to gather estimates, personal inspection remains the most reliable and thorough method for appraisers when determining repair costs.