Q: Is it my right to have an actual insuranceadjuster come to the body shop and give an estimate or do I have to submit pic
A: A Utah attorney could advise best, but your question remains open for two weeks. Until you're able to consult with a local attorney for state-specific law, the short answer in most places is that it's up to the carrier. For minor or moderate damages, they could go by estimates of a body shop. For major damage, a PD adjuster could go out to the field to personally examine the vehicle. Carriers could sometimes send an adjuster to investigate more closely if additional work is claimed after an initial estimate is agreed upon. Good luck
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