Most of the dings and chips in a car's exterior paint can be covered my most laquer or enamel nail polishes

A car is considered "totaled" by insurance companies if the vehicle's overall damage in 80% or greater

That having an accident can Null your Vehicles Warranty.

You have the right to choose your repair shop. Your insurance company can not require you to go to a particular repair facility.

You have the right to choose your repair shop. Your insurance company can not require you to go to a particular repair facility.