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Not sure what you mean by things an insurance company won't pay for. You should be going through the lady's insurance company if she is at fault. The insurance adjuster will come out. . .evaluate the damage and provide an estimate back to the insurance company for approval. Once it's approved, they'll fix the car back to stock. You don't have to tell your body shop person anything. They won't do any work until they get approval to start repairs from the insurance company. If you have collision, you have the option to go through your own insurance company which is usually faster and then your insurance company goes after the lady's for payment.
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