An honest repair shop should always say "no." Because your insurance policy is a contract between you and the insurance company you use. It basically says that if you have a collision loss, you are responsible for the first portion of repairs (which is your deductible). Conspiring to "Bury the Deductible" is insurance Fraud and is against the law. Insurance company appraisers know the costs of repairs and cannot be fooled by inflated prices. If an auto body shop agrees to "Bury the Deductible" it has to take short cuts in making repairs with the owner getting a second rate job, which will depreciate the value of the vehicle at trade in time. Remember, an auto body shop that will cheat the insurance company will cheat the customer also.
The newly painted vehicle may be washed immediately, once it is available for pickup from the repair shop. It is recommended to use mild car soap when washing the vehicle.
It is recommended that you wait at least 90 days after the repair to your vehicle has taken place before waxing your vehicle.