Insurance Settlement Check More than cost of repair?

My repair costs is far less than my insurance settlement check. I have a lienholder on the check as well. They stated that I will have to pay my duductible to the repair shop and send in the estimate and work order. Do i still have to pay that deductible even though the repair cost are less than the estimate and settlement check? Also, will the lienholder give me any problems by signing off on my check even though i found a repair shop that was able to do the repairs less then the repair estimate. Should I send in pictures of the repaired car so they will know that the car is fixed.

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