Re: How Much Do You Have to Pay for Vehicle Damage You Cause
As long as it goes through their insurance company, you'll be okay. The insurance company will write an estimate for what is competitive in the market place. If the owner decides to take it to the most expensive shop in town, that shop will repair the car for the insurance estimate (excluding supplements which there won't be on that car). For example, if the insurance writes for $50/hr and the shop usually charges $55/hr, the shop will do the job for $50/hr. The alternative would be to charge more, which would be uncompetitive, and the insurance company would refuse to pay the additional, then the shop would bill the excess to owner. That is EXTREMELY rare. If it was common knowledge that a specific shop charged customers over what the insurance paid, they'd lose business. The insurance company will only subrogate for the competitive repair they paid for, not some bogus amount the shop bills for. If the owner pays out additional, that's on them. There will really be nothing to dispute. You did the damage. They'll pay for it then bill you.
The lower part of that bumper cover is textured. If there is the slightest scratch in it, the entire cover has to be replaced. Textured parts don't repair to insurance quality. Other than that, the cover would be repairable. The $180 quote you got is a joke. If you give me the year, make and model, I can tell you what it would cost to repair here. The only difference would be the labor rate difference for your part of the country which will only be a few dollars per hour.
Insurance Adjuster - Auto Property Damage