My car was recently hit by someone (not my fault). I got an estimate for the body work from one of State Farm’s preferred vendors. The insurance company came back with their lower estimate (30% lower). The said their estimate is always low, and the place that does the work sends in supplemental estimates to get paid for the cost of the work that was over their lower estimate. I would like a check for the value of the original estimate, but the insurance company will only send me a check for their lower estimate. Also, I can’t submit a supplemental quote. They say only repair shops can. This seem illegal in Minnesota. Do I have to go through small claims court to get the remainder?