The relationship between the Consumer, Insurance Company and Repair Shop.
When a consumer files a claim with their own insurer, its is know as a “First Party Claim”
MA Auto Policy, 7th Edition
Part 7, Collision (in part)
Under this Part, we will pay for any direct and accidental damage to your auto caused by a collision….We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of the collision. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. We will, at our option, repair the auto,…or declare the auto a total loss.