Hit & Run and repairs after

[adjusterjack]

I received an email that they "successfully processed a payment of 1100 and the check should arrive in 7-10 days".. I never indicated I was accepting it. Yes I emailed them our estimate.

They don't need your agreement to send the check.

Here is the situation. I just called her.
She said that I need to give their $1100 estimate to the bodyshop and if the bodyshop decides that the cost is higher, they need to contact the appraiser. Then the appraiser is going to approve or not approve higher cost and a new check may be mailed if higher cost is approved...
Any advice?

Cooperate. It's your only chance to get more money.

You have no leverage. When you accuse someone of damaging your property and you demand money you have to prove you are entitled to that money. A $4000 estimate without a hands-on examination of the car is not that proof.

Even if a body shop confirmed $4000 worth of damage, and even if the insurer accepted that confirmation, the car is likely to be ruled a total loss at an ACV (actual cash value) considerably less than the repair cost. You would have to surrender the car and sign over the title.

If you wanted to keep the car the insurer would deduct the salvage value (maybe $500 to $1000) and you would get even less money. You would also be likely end up with salvage title. A salvage title means you cannot operate the vehicle on the road until it's repaired, inspected by the state, and a rebuilt title is issued.

You want $4000. You want to keep the car and not repair it.

That is never going to happen.