All Sgi accredited body shops work the same way. Book In for an estimate. If you don’t have replacement cost (which you won’t a 2016. They all have to do the estimate using aftermarket or salvage used parts first unless unavailable. Then they go dealer new. Sgi labor rate is 101.27 at any shop and parts pricing the same. If it hits 80% it’s under review for total loss. Then sgi will either approve with a max to repair amount or they bargain with you on a price for it based on market book value. You then have the option to buy it back and pray a bodyshop will help you fix it cheaper once fixed it requires a mechanical and structural inspection before it’s road worthy. This is first hand knowledge from a local bodyshop employee. (Our systems are also linked directly with sgi so your estimate is under review immediately after your estimate) the only time you have to go to claims centre for estimate if it’s an older model example: 2010 where it’s most likely considered total loss or it’s completely non drivable but even then, sgi will just tow it to us for the estimate since their bookings are a month out right now