What the officer thinks the damage might be based upon first blush is hardly binding. If you do not want to pay the $1,400 deny to pay the claim and let the insurance companies hash it out.
We cannot possibly say whether or not the $1,400 estimate is good or not.
It is not uncommon for a simple scratch and tiny dents to cost $1,000 or more to repair. When you count labor and materials, and then the repainting (which often requires doing the whole car to blend the paint) it can easily approach or exceed $1,000.

