The fender is independent. It doesn't need cutting as you said, I recommend you replace it. Does a Cruze's fender cost 2000? This is too expensive. The insurance company also valued it at 3,500. This is obviously the same as the 4S store. If it were me, I would find another repair shop and ask for the price. It certainly won't be that expensive. Since you estimated it at 3,500, don't ask me how much it cost to repair. I spent 1,000 to fix it. Issue an invoice for 3,500.

The insurance company still has to pay 3,500!