Mike like i said. about my shop. i hate allstate. i perfer not dealing with them, they are a bunch of fucktards, i had to file a lawsuit on them one time. and then they listened real fast. you have a right to pick your shop etc. But say you take the $ and dont fix truck, and you have another accident in same area, then they do not have to pay you again unless you fixed it with proof,. but basicly, you and your lien holder should be on the check. just pay truck off, and be done with it. if they dont total it, if they do, buy it back. for 6% of check.