Moca Auto Body Estimator offers a platform for car owners to receive free estimates by taking four photos of their vehicle and sending them to partnered body shops. The business model involves a commission-based fee structure for shops after providing estimates, and aims to expand its services from Canada to major US cities. With a focus on leveraging technology and machine learning for auto body estimating, Moca positions itself to capitalize on a market needing efficient and transparent solutions for vehicle repairs.