argh ok fair enough, but i just had mine fixed after a lady reversed into it and u dont even see the money, u get a quote from your agreed repairer and then they get in contact with your insurance company with the quote, then if your insurance is happy with the quote then they will give the go ahead for the repair to happen, and once the repair is done then they send a cheque directly to the repairer, so u dont even get any money changing through your hands. but if u want to get the rest resprayed then that is for you to work out with the repairer separately then he will do the whole job and insurance will cover there part and u just pay him cash or what ever for the rest of the work that u are paying for. respray's arent cheap, if u want it done properly u gotta get all your windows out etc, and most guys who do proper jobs do it that way. like with the damage i had i asked how much for a full respray, he said about 8K it sound's expensive and u can probably get it done cheaper but with the guy i used i know his work is thorough and he doesnt cut corners.