Labor rates are fine for this area, don't compare them to what the real world rate is at a dealer or independent chassis shop. Body shops get hosed on labor rates. So you are fine. As far as using what shop, a LM shop gives you a lifetime warranty on the work backed by the insurer. We offer lifetime on paint and bodywork even when paying out of pocket but the insurer will cover part issues, electrical issues, etc and also fix it if you move out of the area. If you have a body shop you are comfortable with they will contact Liberty is additional work is needed. Hit me up if you have any questions.