That is really a question only you can answer based on a number of personal and financial factors. An intial drive-in estimate is typically written as a "visual only estimate". A majority of the time, the price to repair a car goes up (sometimes increasing dramatically) once it is disassembled and closely inspected. This is due to many very expensive components are situated inside the exterior parts of vehicles and cannot be seen visually unless a vehicle has been taken apart, which is not feasible for a drive-in estimate. Your insurance company has the expertise and is trained to deal with additional damage and part price increases, much better than most consumers. If you have any question about handling the claim yourself or turning it into your insurance company, you should probably let the experts handle it for you, but again that is your choice