There is no such thing a low ball as to an estimate. You should take your vehicle to a body shop of your choice and show them a copy of the estimate. If the body shop thinks it will cost more than the estimate to repair your vehicle, the body shop will typically work out any additional costs with the insurance company.
As to loss of use of your vehicle, you are entitled to a rental vehicle while your vehicle is actually being repaired.
Good luck with this matter.
Answered on Sep 29th, 2014 at 12:39 PM