Who is responsible,GARAGE OR INSURANCE?Our insurance sent an independent essor out to check our car?

But after the garage started the repair work they found a problem which required further permission for the cost of repair from the insurance.Our policy states if the cost of the repair is 50% or more of the value of the car they would scrap it.Well the original estimate without the new turbo was 48.8%.The insurance are telling us they are going by the original estimate and not the revised one as the garage are at fault for not discovering the problem in the original quote.Who is to blame? Garage or the esor from the insurance as they both missed the problem when checking out the car before the repair work was started.Our car was flooded and we have been without it since July 4th.We are being penalised for the garage and insurance companys incompotence.Our car was 7months old at the time of the flood and because someone else didnt do there job right we are being expected to accept a car back that smells so bad we cant sit in it as it makes us sick.The insurance and garage are both>