I see this kinda stuff all the time with insurance companies. Whenever you get rear ended, you wanna find out everything that needs doing by the body shop and if there’s any debate about the damage then the body shop is supposed to negotiate that with the insurance company. I recently had the same problem on my brother’s Pilot. My body guy actually talked to the insurance company and got them to cover everything that they weren’t initially going to cover. So if you’re having a problem with the insurance company, I would talk to your body shop and have them address it with them.