Yes. What if your auto insurance company went to Ford and struck a deal, then you went to Ford to get a car and they said 'we don't know the price until you sub

Yes. What if your auto insurance company went to Ford and struck a deal, then you went to Ford to get a car and they said 'we don't know the price until you submit a claim'; you buy a car and submit a claim. It turns out your insurance company did a pretty lousy job negotiating and now you're stuck with the bill without any recourse. Ford makes out with a ton of money, so does your insurance company, and you lose.