[RickwithaTbird]

you can have them cut you a check. A bodyshop won't be eager to fill you in on that option though, because they make a lot of money off insurance claims. It is legal to take that money and do anything you want with it. besides something illegal. You can go all around town and find the absolute highest quote possible, and then have them contact state farm and confirm it. Then if you want, you can have state farm give you a check, and take the car to the cheapest repair shop in town if you want to use the money for that, or you could buy yourself a fresh new pair of jordans, some rocawear jeans, and a fubu sweatshirt, then a spinning medallion for your new 36 inch anchor link chain, a fossil watch, and a set of spinning hub caps, and LED windshield washer nozzles to take the focus off your busted up bumper, buy a new flip phone and a hands free set since youre into that, and then purchase a copy of the Nelly CD and bump it on your way to see "Are We There Yet" at the theatre. Or do something stupid like save it for college.

Im just kiddin man... but yeah, its all true. you can do what you want with the money and you can have any shop give an estimate.