There is no legal requirement that you obtain more than one estimate for your vehicle repairs.

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

If you have a plunger in your house, you have a tool that can remove most dents from doors and panels

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

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