But it doesn't make sense when insurance is paying for most of the repair work. So people get in a fender bender, file a claim, get the money to fix it and decide to keep the money instead. Then the area that was not repaired starts to deteriorate even faster and the value lost on the car exceeds the cost to initially repair it. That's stupid. And the insurance companies are paying out for work that isn't being done so that doesn't help anybody either.
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