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Message: <blockquote data-quote="JD8" data-source="post: 4148512" data-attributes="member: 24">Some of y'all wonder why insurance is so high yet want him to fake injuries or get an attorney.   It's a pretty simple process, you submit an estimate, they'll send payment to that shop.  If you wanted a different shop, you get an estimate from there and the payment will be transfer.  If the payment is less than the amount initially quoted, the shop sends in a supplemental.  Typically it will get worked out between the two.  IF you're just trying to pocket the money, then again, call the insurance commissioner or take them to small claims court.  If you submit it to YOUR company, they MIGHT do the same thing and pay the shop.  Different companies have different methods of settlement.  So that's an option, but beware you could run into the same scenario.</blockquote>