Insurance will (may) suggest that you use one of their "approved" shops.
Most convenient. You drop the car off. You get it back. No fuss on your part.
Insurance company handles payments etc..
Better idea - Get appraisals. Negotiate for highest amount. Get check from
insurance company. Get "cash " quotes from repair shops. Get recommendations
of good shops.
Most shops will try to get you to reveal the insurance settlement and tell you
"just sign the check over".
No offense if any members are repairmen but; it's a rip off business for the
average consumer. Then again the average consumer just wants his/her car
back fixed as quickly as possible.
No harm in trying to negotiate with the insurance company. Last year when someone
hit my other car I got an extra $500 "towards" the repair because I explained to the
adjuster that I wasn't going to need a rental vehicle. It's a "least cost" when dealing
with the insurance companies. Sorry for your "incident".