No, you don't.

Start driving the bus- take control, establish who is in charge.

Nothing that THEY want to do is binding on you. You dont need to wait for them to send an adjuster, you dont need to see if he has rental car coverage, you don't need to use their body shops, etc, etc.

Find the very best two shops, get two estimates- make sure they are within a few hundred. Tell them you'll take the lower of the two, AND you will need a rental of an SUV for the time the car is being repaired.

GL

A