Once my car is hit, it loses it's value.

True and False. A repair completed according to manufacturer specifications can negate any loss of value. There are some situations, especially when the vehicle is a collectors item, that a loss of value may occur. Generally, a quality repair will not affect the trade-in value of your car.

Just as long as my car is shiny it was a good repair.

Nothing could be further from the truth. Although a good quality paint job is desirable, it by no means assures a good repair job. Most structural parts are hidden from eyesight and if they are not repaired or replaced properly could result in a disaster.

Can you save my deductible?

There are three answers to this question. No, No and No. Any shop that saves a deductible is not doing you a favor. Once a deductible is "saved", you waive all your rights to a correct repair. You have entered into a negotiation with the shop and have no recourse should the repairs fail. Your insurance company will deny any relief to a person who has negotiated a discount on their repair work.

Do I need to get two estimates? My insurance company told me to get them before work can be started.

Only one estimate is needed. And it may be from the shop of your choice.

The insurance company gave me a list of shops they wanted me to use. Do I have to use them?

The insurance company gave you a list of shops that they use frequently. This does not mean you have to use them. Just because a shop does not participate directly with an insurance company does not mean they are any less in quality than a preferred shop. The shop of your choice, however, should have a written warranty to guarantee their work.