I wasnt hurt when the person Hit my car, so I asked that he simply replace my bumper. The accident happened right in fron of an auto body shop so we pulled in there and thats where the first estimate was given. Direct was the insurance co. They came out gave their appraisal and refused to pay for an original factory bumper for my 6 mos. old car. They insisted that an after market bumper was all they were required to pay for. They never said I had to go to their auto body shop or that the mechanic could only use a particular manufacturer. Their fax stated I could feel free to go to any shop I wanted. Now 6 mos. later the bumper proved to have too much mold release and is peeling. Direct refuses to pay. The mechanic doesnt want to eat the cost. The manufacture is raplacing the part, but not the labor and paint. I have now been without a bumper for 3 mos. Direct now says if I went through their body shop it was guaranteed-they should have told me that in the first place!! Now, im screwed!! Thanks Direct!! Moral of story is SUE if Direct is the insurer