Obviously you have industry experience but that was not the presence of smart phones and emailing pictures from phones time frame.Actually probably the same system, CCC or Mitchel. At that time they could pull down aftermarket and LKQ parts in real-time. Upload photos and estimates to the ins co almost instantaneously. The lag time is almost always human. Show is busy, tech is working on a car, no time for tear down, parts guy is busy, secretary didn't get authorization to repair etc.
Yikes, sorry to hear they fixed it. The frame ends are replaceable and on some vehicles, back then you could straighten metal to a point. DRP shops will bend the rules and repair things they shouldn't. I've seen it happen unfortunately. I'd rather have a frame job and rebuild the truck from scratch but DRPs don't like jobs that take a long time as it increases cycle time and ruins the shops numbers on how fast they fix vehicles etc.
This was directly below the cab and bed gap. That part of the frame was integral and not separately replaceable. The first repair even involved a completely new rear end with non-standard gears and a limited slip. That came from a junkyard and I could feel the truck noticeably slow down when I put it in neutral. Was never the same after that. Very surprised it was not totaled on a 3 year old Dakota that was "only" $20k brand new.