this is what you do!!!!!!
get your quotes, then let the insurance companyt bargain with the panel beater.. once a final quote is done aske the insurance company to make the chq out to you...
get your 10k cheque, get it fixed for 5k and spend the rest on mods!!!
a mate of mine got hit from behind, end quote was $3000, we got the cheque, a rubber mallet, some planks of 2x4 and touch up paint, wacked it all into place, pocket $3k!