It's also liability. If insurance determines frame damage, they're inclined to often total it and settle with you. You ain't getting that car unless you buy it

It's also liability. If insurance determines frame damage, they're inclined to often total it and settle with you. You ain't getting that car unless you buy it back. I know this since I've worked in insurance, they don't want to be liable if the car doesn't perform to manufacturers specifications while driving or another accident. Initial repair/value cost is a determining factor yes, but doubly so future liability. Take it to their preferred shop, repair is inadequate, fails to perform while driving = they're liable for way more than initially.