To those that have read about my crash a month or so ago...here's the result. I'm seeing an Osteo for injuries, although my shoulder doesnt hurt...day to day... any sort of heavy lifting or weird movement hurts like sh!t! Anyway, question I have goes a lil something like this........ I JUST got back from overseas, and found the letter in the mail from the "claims" company, not the insurance company. They deal on behalf of Ford, blah blah blah. The bill is enclosed for the repairs, as well as other documentation. I called them 5 minutes ago, to see about obtaining my own quotes, etc.. and I was told the car was already fixed, and all I can do now is just pay up. I thought I was LEGALLY allowed to obtain my own quotes, and settle with the insurance company on whatever, and was prepared to do so. I also understand that the driver needs his car ASAP, hence the quick repairs, but I thought I was gonna get the option of getting some of my own quotes? Obviously not. Now all I am left with is the bill No previous experience in such situation, so no idea what to do . Any help is appreciated!!