Truck body work repair issue

Some of you know I took out a deer with my W900 last Monday. I filed an insurance claim since that’s what I thought was the right way to do things, and figured it’d get fixed the right way. I stopped at the body shop today to see if they had spoken with the insurance adjuster. Turns out the shop and insurance agreed without my knowledge to just fix the fiberglass, and not put a new hood on. I don’t like this idea because the body shop will never had repairs that look as good as factory. It’ll be plainly obvious it was fixed when looking from the bottom at the fender, around the headlight and the radius of the fender. Also I could have just done that work myself for a heck of a lot cheaper than the body shop. Why should I bother having a claim on my insurance, and pay the large deductible when I could at this point do the same work in my driveway for less than the deductible? Is it unreasonable to want a new hood compared to patch work? My best analogy is if you hit a deer with your personal car would you want body filler repair, or actual new parts? For what I pay for the policy and the deductible I want new parts.

 

That’s my hang up. Why bother with my $2500 deductible when I could fix it myself for half that?

 

New hood was about $4000. Can’t be more than $3000 to paint and install. I’ll just cancel the work then, and do it myself. Then buy a big ### grill guard prevent this in the future.

 

Good point, I’ll send Montana FWP the bill.

It is a lot to ask them to fix my office/source of income to as good as it was before the incident. Especially after paying them $12,000 in March for the policy.