I pay ~$50 per month for 5k miles per year for $500k liability coverage and uninsured/underinsured coverage.
But I also have a few million in umbrella coverage, so not sure if it’s even comparable.
Some places have insurance laws that will make people say "wait, car insurance pays for that?"
Also, most of the reason US car insurance is so expensive is due to the cost of healthcare, which is paid for in other ways in many other countries.
It looked identical when they were done, but I ended up getting a check cut for half the value of the new panel because the used one was so much cheaper.
As I was in college at the time, a free $800 made my day.
> insurance companies insisting that shitty used parts were fine
That's not up to the insurance company, because they aren't the ones sourcing the parts or doing the repairs. You go to a body shop that either works directly with the insurance company, or the company cuts you a check in the shops name for the quoted work.
It makes no sense whatsoever to put a brand new body panel on a car that's already lost 70-80% of the MSRP value to depreciation... IF the used parts are not damaged already, and the paint matches. Again, though, that's in the hands of the mechanic, not the insurance company.