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Different states and insurance companies have different regulations and rules on the hourly rate they will pay for. Just like warranty work through a dealer, some work will be quicker and some work will take longer than the estimate that's supplied via the appraisal software or manufacturer documents. Saying that a shop will get $100 an hour is really meaningless unless you are familiar with the insurance regulations for the state and the policy of the OP.
OP, seriously, wait for the supplement and stop freaking out.
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