Be sure you don't let your insurance company take shortcuts... They will want to negotiate with the repair shop... If its broken. It gets fixed to factory or better standard.. No shortcuts with labor or materials..
My mom has GMAC. They used a magical spell and conjured a check and said that's all they were paying. They gave her the check to give to the repair shop and told her the rest would be out of pocket!!!! Oh no... I flipped. I called the insurance co. And let them have it.. Needless to say. I ran that guy up a flagpole. Had to get his boss to get his mind right. The $5k check wasn't enough. It was short $900. I had them invoice. I submitted it. And sent them a calculation for the amount my mom has paid in annual fees for the last 15yrs. ( she has never had an accident. Ever... She is 63.
There was no nonsense after that. They cut the check. Paid the repair shop... Reassigned my mom a new agent for her account...
Be on top of it.. All the way.