Will let the parent reply but at a high level (at least for comprehensive insurance) there is a) a fairly competitive market (and comparison shopping is possibl

Will let the parent reply but at a high level (at least for comprehensive insurance) there is a) a fairly competitive market (and comparison shopping is possible) for car repairs and b) a limit to the cost of a repair (the value of a new comparable car) that we don't / won't place on human lives.