Well, the way my insurance is working is that I'll take it to Rife's. Get the estimate, and then I guess Safeco will cut me a check .
Now, on the other hand.. same company with my home owners (spoke with an adjuster today). A dude's going to come out and check the house out. He'll then do up a quote. THEN, I get to go to as many as 3 contactors/companies to come out and look at the damage and give me their quote. Then I guess it's up to me to figure out who I want to fix the house, then Safeco will cut me a check (minus the $500 deductable) and that's it.
Same thing with the car on the deductable.. they'll take it out of the check they write me.
FTW .
If anyone wants the above insurance, I can give you the number to my agent.