Luckily lite damage , Insurance companies prefer to call on shops that dont overcharge the damage, but theirs a twist . . For instance , Gieco in my area likes to find a body shop big enough that has space for them to put in an office to setup shop , their employee to give and assess damage with a certified tech on hand , insurance quotes are purposed and then printed for customers to use , ( you usually will use that shop location for repairs which is the advantage for the shop )if that amount exceeds the given value of the estimated value of the car , it’s then deemed a loss and then give you a check for you to go on your merry way keeping the car , from their it goes to salvage sale in which someone picks it up to run through the system of a salvage title repair or onto the yard .You can shop estimates but That’s the game .Excessive cost now on parts and unavailability has put a target on Anything older than 30 years . I’ve had an accident where that was the case , I had all the parts but let them access then run the quote , a $1200 value for a bent fender and hood but they we’re on the fence about a total , I said make the check out to me and I’ll fix the car , kept it out of the yard and still going strong .