You can't make this up
I would want their insurance co. to cut a check and be able to take it to a body shop of my choice.
Back in 2017, I was at a lumber yard in your backyard in my 95 Ram. The kid loading knocked out the back glass, and bent the bed pretty good and the whole back side of the truck. I got 3 estimates and they cut me a check. $6500. A shop over toward Livingston fixed it for $500, it did not even need any paint.