what I know is, if the car is more than one year old then they can't fix it in your Agency [Toyota, Nissan for example] which automatically means, you have to take it somewhere and that somewhere is a garage cooperating with the insurance company and that garage will look for the cheapest parts of course to fix the car.

Just wondering, what is the benefit that we get from paying those insurance companies ... If you get hit and you need them to repair the car, they will come up with hundreds of reasons to make it difficult while your reason is simple ... I need to fix my car only ...

Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment. (Gautama Buddha)