Good points as well.

Another aspect- if your insurance has 'preferred shops', and it turns out the best shop you can find is a preferred shop, then often times there is a warranty on the repair.

I once had a windshield replaced as part of a repair. 12 years later I was getting a windshield done and they discovered rust where the old shop had gouged out the adhesive. Transfered the car to a body shop, and the insurer - via the 12 year old claim- paid for it. The company that did the work 12 years ago was gone....

While this is HER insurance, there is nothing wrong with using your insurance to gain this coverage.

Often times the threat of losing the preferred status will help you with the warranty...

Well, ignore all this if it is a lease.