In an accident, advice dealing with other ins company

I had Mercury ins. and the guy that bumped me had Mercury too. They made the car look better than what I started with pre-bump for sure. Mercury also totalled out my LS400 after it got side swiped. They sent me 3 listings from So. Cal Auto Trader of LS's with condition and mileage within 10% and sent me a check of that average price in 4 days. I showed them the receipt of 4 1 month-new tires and they kicked in $300 more bucks which I thought was fair. just a story....if they replace the fender, insist on OEM. even used will fit better than cheap aftermarket, especially the newer stuff.