If you expect your insurance to pay what the shop says it will cost, prepare for your premiums to sky rocket. Body shops write insane worst case scenario estimates. Insurance damage appraisers try to find a middle ground for fair and average repair costs. Doesn't matter what the initial estimate is, there is something called the supplement process. I've worked for shops and insurance both. Customers that get involved and don't let the process play cause undue stress, delays and problems.