Do they get to use third-party parts?
Do they get to choose "just anyone" or do they have to use a good shop?
Do shops hate dealing with Insurance Adjusters?
I've seen MANY cars that look really new after some kind of either major or high-dollar wreck. Sometimes, they have something stupidly wrong with them, like gas door sticks or something like that. Or of you look at paint from exactly one way. Otherwise you wouldn't even know anything happened ..