Pudsey Bear
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Not forgetting you can employ your own loss adjuster at the insurance company's expense.If the insurers are content to settle it still remains @Clunegapyears vehicle unless writing it off is agreed.
As the insured you can choose a suitably qualified repairer if you wish so quotes could be obtained and submitted to the insurer for consideration by their loss adjuster.
It's sometimes easy to be steered by the insurance company but they are not acting in your interests. They are acting in theirs!