If the body shop hands them a bill for OEM parts and a quality job, most of the time the insurance company will pay it... especially when it's not your fault. I got sideswiped by a drunk driver driving in the wrong lane recently. When it came to fixing my car, it came out looking a lot better than when it went in (prior to the accident). State Farm = high/competitive insurance premiums but they don't go cheap on fixing your car. I got all OEM parts and the paint job looks better than when I bought my car with 1 mile on the o-meter.
Lead me not into temptation because I can get there myself.