[jhv48]

I know it doesn’t answer your question but I thought I’d throw in my experience with my insurer.
My cobra has been hit twice. Both in the front end. No frame damage. Only fiberglass repair and paint. First one cost $17,000 to repair. Second one was only $7,000. Both were handled by State Farm without even blinking an eye at the estimates. I chose a shop that specializes in glass repair and they’re not cheap. Adjuster just looked at the car and signed the check.
That kind of service is worth more to me than going with the cheapest company.
My wife just totaled our 2011 Shelby GT500. I never even hesitated to accept their payout offer. It was exactly what my research showed the car was worth.

Just sayin.