In some cases, you may be able to get your vehicle fixed at a body shop that is affiliated with the insurance company. However, you will still need to pay the deductible, and the insurance company will have the final say on what repairs are covered.
If you are not satisfied with the settlement offer from the insurance company, you can always hire a lawyer to represent you. A lawyer can help you negotiate with the insurance company for a higher settlement or, if necessary, file a lawsuit against them.
Ultimately, the decision of whether or not to accept a settlement offer from an at-fault insurance company is up to you. However, it is important to understand that accepting a settlement means releasing the insurance company from any further liability for the damages to your vehicle.