As modshack pointed out, I just went through this a few days ago, and as expected some insurance companies are more willing to pay out than others. Wait until the car is finished before negotiating, my original estimate for repairs was about 2,000 below the final total, so that will play a part in if/how much you get. Even at $4500 in damage they should be reimbursing you something. You might have to take them to court to get them to pay out, good luck!
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