What if insurance check is more than repair cost on auto body work?
You are allowed to pick an auto body shop of your choice, with most insurance companies and the money you get to do the repairs is yours, so if you can find a good shop that is willing to do the job for less than the quoted amount, or check that you received, then you are welcome to keep the extra money on the difference.
As long as you are not claiming damage that wasn’t there, you should be fine.
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