Do I need to get two estimates for repair?

When there is a loss, you shall also provide BAA with an estimate from a reliable body shop as to the repair work needed. Only one estimate is required if: (1) the body shop is owned by a member of the Church of God in Christ, Mennonite, or (2) the loss amount is less than $5,000.00, or (3) the vehicle is legally or mechanically not drivable, or (4) it is a glass loss. If damage exceeds $5,000.00, only one estimate is required if the body shop obtains pre-approval for their estimate from the BAA office before repairs with direct payment issued to said body shop. If two estimates are filed, BAA will make a settlement according to the lowest estimate received.