I did one insurance job 8 years ago . Customer with a 1 year old mini van had run over a large rock at the end of a driveway. No body damage, a few bumps and bruises underneath and the worst was a crushed exhaust. I quoted a new exhaust with factory catalytic converter as no aftermarket was available tet. She balked and called her adjuster and it just got stupid from there.

He wrote up a cradle (minor dent), oil pan (scrape) fuel tank(more scrapes) and of course an alignment.

Exhaust came from dealer, remaining parts from LKQ. The cradle was not dented but scraped and some rust, oil pan was filthy, fuel tank was dirty and scraped like the original. I'm guessing flood cars supplied these parts.

Labor times were in line hut insurance wanted to pay $42 per hour and shop rate was 80. After 2 weeks of back and forth, Customer without vehicle etc, the adjuster okays 60.

I replaced the cradle, exhaust and oil pan. Pressure washed the garbage gas tank and left it off.

I said never again will I get involved in insurance work.