Anchor General Auto Insurance Skimping on the Bill.?

I live in California. I was in an accident over a year ago and had my vehicle fixed at Anchor Generals PPO shop. After over 2 months of not having a car I got it back and a horrible job was done. I'm a full time student and I work full time. So I didn't send the car back to the shop for repairs because I couldn't be out of a vehicle any longer. I just recently found my vehicle badly vandalized and instead of going to their horrible PPO shop I'm taking it to a highly recommended body shop for the repairs but because I am, the insurance company is penalizing me for 20% of the damages on top of my $500 deductible for doing so. I don't think this is right at all. I don't pay 80% of my bill for them to pay 80% of the work. Does anyone else have this problem? Even with a different insurance company?

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