If they don't total it they should give you a choice between a preferred or certified shop or a shop of your choosing to do the work. Most insurance companies will pay for those exterior parts that were on the car before the accident and oem for everything else. The shop send them a parts list with cost associated with it and then they cut you a check. Certified shops have a set labor price that they charge the insurance company. You can always ask your shop to solicit your insurance carrier to become certified as well.
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