I've had 3 cars totaled by dealers and none totaled by indy shops. One was actually messed up by them beyond repair. One was messed up and they wanted more to fix it well beyond the replace cost. The final one just wanted well beyond the replace cost, and I got it fixed for much much less at an indy shop.

Just find a good indy shop. there's a great one 2 blocks from my house at a gas station. discusses all repairs with you, good on preventive maintenance, 1/4 the price of a dealer. Will tell you what repairs you actually need to do and what you don't. Also easier to schedule and pick up and drop off. I have to wait at the mega dealer near me like 15-30 minutes at drop off and pick up. At least the toyota one will let you defer your car wash instead of waiting for it longer. At the gas station I drop the car in the lot and drop the keys in a mailbox. For pickup I go in any day till 10 and pay like I'm buying an energy drink, grab the keys and walk out to the lot to grab it.