Got an estimate for a broken side mirror, $38 + labor= $67 total. Sounds fair, right? When I said I paying out of pocket because it's lower than my deductible, Tony said he made a mistake, that the price of the part was actually $100+ labor. Really? Google it. The price is $38 anywhere you look.
Bottom line: If your insurance company is paying for the repairs, I wouldn't fret. If it's you, I wouldn't go.