this is where the insurance and casa makes magic. insurance will quote you for a replacement and depreciated value. you will shoulder the difference diff . casa will fix your car without you seeing what is happening. no bumper or door panels replaced, just panel reworks.
Moral of the story, have it fixed yourself from a good workshop, and go for cash settlement. you will still need to bring the car to the insurance for appraisal and estimates before doing any repairs.