Why don't you swim? Sounds reasonable to me
But one of the reasons that insurance companies demand quotes is that if they insure a car it has to be safe. And unfortunately many cosmetic repairs no longer have working crumple zones and other features that keep a car safer if it is in another accident. Future safety is why it is so easy to total a car these days.
They don't want quotes, they demand it be taken to one of their repairers. I haven't had to claim car insurance for years and back then it was get 3 quotes and they told you which one to use. Now it's just take it where they say, this company at least. It's gonna cost 2 or 3,000 more in rental car and taxi fees.