I had a ding in the side door when I was taking my car in to fix the back bumper after someone hit me. They happened to have the ding guy there at the body shop and he popped it out for free (because they knew I was having my work done there). I threw the ding guy a 20 dollar tip.

I am sure the body shop will throw you a bone... probably cost them nothing to fix and would happy to do it since they are working on your car. As for trusting a body shop that would pull one over on the insurance company? Some of the best body shops are known for that