Damage estimates seem to be better when you take 'em to a dealership ... because we all know how much they like to charge for every little thing.
The last time I got a fender smooshed in by a retard (big delivery truck sliding downhill on ice in KC), it was on a '91 TransAm. Just a fender and the edge of the front bumper fascia, and the estimate was about $2,600 when I took it to a Pontiac dealer. Oh well ... deliver company paid that fatty check for the repairs, and I got all of my rock chips fixed in the process. (Sold the car a month later and got a '94 Crown Vic Interceptor. )