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From my experience and speaking to multiple insurance companies and my personal body shops. the coverage and how easily you'll get it really depends on your:
1. local insurance company (so mercury in LA and mercury in St. Louis may differ in policy)
2. Estimator: that guy that comes out to inspect damage and deals with the body shop
3. Relationship with body shop and company / estimator
sometimes you get lucky and the insurance company rep has good pull and will be able to do stuff for you guys but with a lot of companies going national, they're coming down on the enforcement of rules and regulation to be "fair"
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