I got three bids to fix my porsche, one for 8300 one for 7820 and one for 6790 and I would like to repair the car myself to save money. How ever the insurance company is saying I will have to give my reciepts to them and thats what they will pay. That means my labor and time will not be paid for. Should the insurance compay settle with me using one of the qoutes minus the deductable?