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With a replacement quarter, paint match is the least of the worries. Sealing and body work done where the old is cut off and the new is welded on are what I’d be most concerned about. Depending on how badly the metal is stretched, a fix might be the best way to go.
It’s always impossible to tell from pictures if there’s more damage underneath. Has an adjuster looked at it yet? Even after they do their write up, the shop may find more damage once they get into the tear down.
There’s a ton of factors that go into whether they fix or replace. Most insurance companies have an algorithm that takes into account year, milage, current value, etc.. Then if the fix/replacement falls under a certain % of the total value, they will ok it.
Personally, because I know it would get done 100% right, I’d demand a replacement. If you have complete faith in your body shop, ask them what they recommend. A lot of places will do free estimates, if you do that, don’t tell them it will be insurance work, you’re more likely to get their honest opinion if they don’t think they’ll have to dicker with an insurance rep.
Just my opinion.
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