Estimate too high

I’d like to have a problem. Here’s what I’ve done backwards with an AHK to touch another car. Number plate depleted, grilled a strut pressed and minimal paint off the bumper. Everything no problem and I’ll pay too. I’m also aware that the painting costs a bit and I’m also willing to pay a complete painting. Problem: Have a quote now. There’s the bumper also on it. And it has nothing. Besides the missing paint. yes I can judge. I can run the whole thing over the insurance course (and buy back) and try to reject the unfounded claims. I also had the damage reported precautionaryly. However, the required amount is not really high – a total of 700 € incl. VAT. (only around the bumper me too high) and I think the insurance will go the way of least resistance and pay. What do you do?