Don't take any crap from the insurer or the smash repairer, your car is under someone else's care and it is their responsibilty.
How conveniant that your wheels get "stolen" from the smash repairer when they were off the car!!!, they should have been locked up safely.
There is no way you should have to pay another excess, if you have trouble go to the insurance ombudsman..
Good Luck
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