it doesn't matter how they think it should be fixed, you take it to the best body shop in town and sit down with them and have them write the estimate, get a lawyer if you have to but you tell them this is who does my work. PERIOD, I will not accept anything less than 100% quality work. A good shop could possibly fix those panels but it is their decision how the damage should be fixed they are the experts !!! the insurance people are not the experts.