Marty (NHDoc) is right about the insurance company being right about the car's damage not being a big an issue as it would be, were there an injury.

The car needs to be fixed, and done right the first time.

If the amount goes over the supplemental, start screaming about "diminished value". (It is a fairly sophisticated concept, not widely understood, or publicized, but it is a supplement you get for having a car with "diminished" value due to being a repaired car, and no longer a mint original.)

Kind of like "halfway" to a salvage title and the loss of value that causes, I believe.

It is somewhat beyond my ken, but worth a deep google search, I think, especially if they start playing games with you.

__________________
1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)