I'm starting to think that some of these insurance companies are using certain shops to get these inflated repair costs so they can get to that magic number needed to total a vehicle (without doing any research) using their in-house auto values. You get peanuts (after paying your deductibles). They save on admin/paperwork costs and money--and then come back to you with higher premiums--case closed. What a deal right? Might not make any sense but I wouldn't put it past some of these companies. Just my two cents.
You bring up a good question that would best be answered by an auto claim adjuster. I see that your request is under review. I have sent a request for an adjuster to follow up with you.
My experience with USAA total loss has been a total nightmare. USAA did not even pretend to care or express condolences, gloated about how it would recover exact $ and cents from two other insurance companies of at-fault drivers. USAA offered no advice, guidance, or support regarding next steps, consequences of retaining vehicle [other than what USAA would demand for salvage value (term that I learned only from navigating internet wilderness on my own, thanks to no support from USAA)]. USAA has refused to even acknowledge that the only reason I was even driving my own car was bc trying to save USAA rental car costs by waiting for free shop loaner. Escalated to USAA CEO Office "advocacy resolutions", which committed total loss dept's same insensitive offenses. I deeply regret wasting past 14 yrs with USAA. Recommend taking your insurance and other business elsehwere, before USAA is able to add daily offenses to USAA-induced suffering.
I'm obliged to report USAA CENSORSHIP of public comments over the past week, stemming from direct experience and intense frustration with USAA. USAA has not been privately "resolving" anything and didn't even pretend to care about any of my previous posts.