long story short I hit a car that pulled out in front of me.. minor damage, front bumper toast..
Their insurance is accepting liability and sending me in for repairs..
Gave me 3 options..
Never been in an accident before so a bit lost on what to do here..
#1 . They provide me a list of Body shops and I select one and let them know and they will send a work order to them. I bring the my car, they access damage and send an estimate for approval and then order parts needed and do work once approved...
#2 . I go to an State Farms's official ESTIMATOR and they look at car and access damage and cost for repairs and then approve said repairs.
#3 . I bypass the shops and take pictures of my car at all angles and send them in along with an application for my claim. State Farm will review all things and then just decide on a price and cut me a check for the damages and I can do as I wish with that...
I was thinking #2 but now I'm worried like what if this guy is their inside guy and I get hosed?
appreciate any advise!