Unfortunately, based off of the photos, you have a lot more damage than you realize as the rear 1/4 panel is torn. I have seen many 1/4 panel replacements cost between $30~$40k
All insurance companies start with a low ball offer. The insurance company has no database in the estimating system for lucid, so at best they are guessing. Send a copy of the estimate that SF provided to the certified shop, when your car arrives, they will take everything apart and submit a...
Safelite is the Walmart of glass companies. For anyone reading this, if the insurance recommends a repair facility run the other way. Remember, the insurance company is looking for the cheapest and fastest in town. They could care less if they have the correct equipment to do the job let alone...
But you will receive 10x the service from Pure and Chubb. If you ever need to use State Farm you will most likely pay out of pocket for some of the repairs.
So it looks like the 1/4 panel is torn. This panel is part of the structure of the vehicle. It’s both bonded and riveted on, this is a very labor intensive repair.