The guy gave Cliff a quote for a new front bumper, probably the fender, door, and paint blending on all 4 panels.. He's just hoping Cliff pays to repair his entire POS instead of the tiny dent.
He's not going to repair that car anyhow, he's going to take that $1800 and spend it on whatever.
I'm sorry but I'd tell him to pound sand and take it up with insurance as that amount is insane.
It's not like they've got some guy at a switch say 'Big Cliffs house is at 70, it should be at 68, let's login and change that'.. If demand is high on the grid you're connected to they can limit the amount your section gets. That's all this means.
If you use a 2 bank you'll need to remove the link between the batteries before charging..
1 bank is easier for that setup (I had the same in our boat before I switched over to a 24v system)