Years ago I had a customer vehicle towed in after driving over a large rock at the end of a driveway. Damage was all underneath and IMHO mostly cosmetic. Damage included a couple dents in the cradle, scuffs on the oil pan and gas tank and a short section of exhaust that was crushed. Vehicle was a year or two old.

I gave an estimate to repair the exhaust and check the alignment, vehicle was drivable and nothing leaking. The customer called their insurance and things got crazy.

Adjuster ordered a replacement cradle, oil pan, gas tank and complete exhaust. The exhaust was new, everything else was used and honestly no better than what was on the vehicle. I pointed it out to the adjuster and he said do it anyways.

A $200 repair turned into a $5000 claim. A 1 day repair turned into 2 weeks of downtime.