I will say that I write estimates for a living. I NEVER lowball anyone. I will source A/M Capa and Recycled parts but I never write a cheap estimate in hopes the owner takes it. I know many insurance companies that do that but not all of them do. My buddy has his own shop and for every company...
cb1111 is pretty spot on.
I’m an adjuster in Texas. For us, if the check is over $1k it has to include the leinholder or a body shop (only if there’s a lein). I would shop it around to some shops and let them know what you plan to do with the bumper. Most shops won’t have a problem doing what...