Doesn't seem to matter with or without insurance with some shops it seems. I went to 2 and told them I would get the parts, you tell me how much it's gonna cost me. One made me angry from the getgo like i was really thinking the side of my car could be fixed. Never went back to that one. The other never gave me a price and said he was waiting on a quote for a quarter panel. I gave up after that. Didn't have the cash anyway but wanted to know what I was looking at roughly at least. Drove my car 12 yrs before the side was pulled out and I think 2 more years before the quarter was replaced. But I love my car so didn't worry about what anyone said. I was just showing how the other half lived! LOL Wishing you luck that you got one now and get the job done!