Update : I don't have to put a claim in with Hagerty because I was in no way at fault. The police report will show this. My local Allstate guy ( Hagerty is through him somehow) is going to help me file a claim directly with the garbage truck's insurance company. There is no way that damage is $12K. $1K per dent, $2K for the door and $1K to paint the DS below the beads is only $5K. Double that and it's still less. I have another shop that will give me another number. I may just see how much I can get and do it myself, which I am perfectly capable of doing, or say the **** with it and have someone else do the work. I do not need a rental as I have two other cars ( 63 and 68 SAABs) and three scooters z(64 and 76 Vespas and a 63 Lambretta). When I learn more I'll relate it here.
May I be the voice of the 12k job? There is a strong DIY urge among most of us here - and, yes you could do it yourself, but, consider.
1. There are a number of companies out there who are producing poor quality panel parts. - you can get proper ones but they will cost.
2. To pull some of that into shape you will need a proper alignment tool.
3. You will have the benefit of experienced bodymen (women) to get the lines right and,
4. You may have to paint the whole car to get the colour right.
This isn't an old corolla this is your hobby car, the settlement isn't coming out of your pocket (nor the driver's) - do it right or you will end up kicking yourself - especially if you want to pass the car on at some point.