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