Originally Posted by crazybrit
A very good friend of mine went this route and his insurance co would only pay him $10/hr labor if they were cutting him a personal check. If they paid the shop direct, they would cover the shop's labor rate (which was more like $65/hr iirc).
Insurance regs vary widely by state, so maybe this is the difference? You're in the same state as the OP.
Dunno. I expected a fight, but they paid up. I was straight with them, didn't inflate, treated them honestly, and they returned the favor.
I did have an itemized estimate from the shop- did your buddy?