I have geico insurance and i went with their express service that provides a lifetime warranty on all repairs. The main advantage for me was they wanted to total the car when it wasnt leaking any fuild and the frame was still straight. The autobody place was CarStar collision of East Hartford, CT. I requested that i bring it to another shop but my claim adjuster said that he would be required to change the labor rate for an outside shop which would bring it over his limit of 80% of the value. Basically a truck fish tailed in front of the lady i was following hit two cars so she had to stop fast. With my ****** luck i was looking over to try to move over one lane and when i looked back i was on her bumper, swerved to avoid her and found the guardrail instead. Better the guardrail then a honda CRV...guardrails don't cause more headaches if you know what i mean.