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I am confused about my auto insurance claim process.?

I got in a minor accident in a parking lot last week (the other driver was at fault), and the insurance estimate lady estimated the damages at $1900. (She broke my passenger side mirror and left scratches on the passenger front and rear door). I honestly do not think it's going to cost $1900 to install a side mirror and paint the scratches on the side of the vehicle. Anyways, she wrote me the check for $1900, so what do I do next? Do I have to find a repair facility that is authorized by their insurance company (State Farm)? Can I pick any repair facility? If there is money left over, do I get to pocket the money? (Some people are saying this would be considered as insurance fraud). The lady also mentioned that repairs done on my vehicle would be guaranteed for life -- What if I went to a repair facility that isn't authorized" by SF and I had problems with the repair down the road? Can someone please clarify this process? Thanks!"

   








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I got in a minor accident in a parking lot last week (the other driver was at fault), and the insurance estimate lady estimated the damages at $1900. (She broke my passenger side mirror and left scratches on the passenger front and rear door). I honestly do not think it's going to cost $1900 to install a side mirror and paint the scratches on the side of the vehicle. Anyways, she wrote me the check for $1900, so what do I do next? Do I have to find a repair facility that is authorized by their insurance company (State Farm)? Can I pick any repair facility? If there is money left over, do I get to pocket the money? (Some people are saying this would be considered as insurance fraud). The lady also mentioned that repairs done on my vehicle would be guaranteed for life -- What if I went to a repair facility that isn't authorized" by SF and I had problems with the repair down the road? Can someone please clarify this process? Thanks!"


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I got in a minor accident in a parking lot last week (the other driver was at fault), and the insurance estimate lady estimated the damages at $1900. (She broke my passenger side mirror and left scratches on the passenger front and rear door). I honestly do not think it's going to cost $1900 to install a side mirror and paint the scratches on the side of the vehicle. Anyways, she wrote me the check for $1900, so what do I do next? Do I have to find a repair facility that is authorized by their insurance company (State Farm)? Can I pick any repair facility? If there is money left over, do I get to pocket the money? (Some people are saying this would be considered as insurance fraud). The lady also mentioned that repairs done on my vehicle would be guaranteed for life -- What if I went to a repair facility that isn't authorized" by SF and I had problems with the repair down the road? Can someone please clarify this process? Thanks!"


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I am confused about my auto insurance claim process.?
I got in a minor accident in a parking lot last week (the other driver was at fault), and the insurance estimate lady estimated the damages at $1900. (She broke my passenger side mirror and left scratches on the passenger front and rear door). I honestly do not think it's going to cost $1900 to install a side mirror and paint the scratches on the side of the vehicle. Anyways, she wrote me the check for $1900, so what do I do next? Do I have to find a repair facility that is authorized by their insurance company (State Farm)? Can I pick any repair facility? If there is money left over, do I get to pocket the money? (Some people are saying this would be considered as insurance fraud). The lady also mentioned that repairs done on my vehicle would be guaranteed for life -- What if I went to a repair facility that isn't authorized" by SF and I had problems with the repair down the road? Can someone please clarify this process? Thanks!"