When i got rear ended in the mustang i still had a lean on it. They tried to get me to take it to some hood ass body shop but i opted to take it to germain ford in powell instead. germains cost to repair was 400$ more than what the insurance adjuster estimated. They never cut me a check, but instead dealt directly with germain. I did not, however, ask for a cost of repair check.
Just something to think about.