I am a rookie when it comes to insurance. Had some hail damage and the adjuster inspected it and created an estimate. Then he offered to send me the cash via a debit transaction. I didn't sign anything but he did send me the estimate amount. Now, I have an estimate scheduled with a body shop next week and am realizing it'll likely be much higher than the insurance estimate. The adjuster said they would pay the shop a supplement in that event but I'm not sure I'll do the repair and would prefer the cash myself (plus I have a PDR buddy who will give me a deal). Can I use the shop estimate to adjust the adjusters estimate? What are the rules here? I just want the insurance to pay me the fair value for the repair.