I was rear ended about 8 years ago. I was in a lane that is parking most of the day (like when I stopped) and no stopping/anti-congestion during rush hour. My Camaro was hit by a person traveling at least at the 45MPH speed limit. They were on their phone and thankfully were so angry they unintentionally confessed it all to the police office taking the report. I ended up not paying a cent to fix the car, but I did get a copy of the bill.
All in all the cost to repair it was in excess of $18,000 from a third party shop that didn’t do a great job on the finish. That was only $5k less than the Kelly Bluebook value for my car at that point in time.
In short, it costs a lot to repair crash damage. That’s something people probably don’t think about too deeply if they have comprehensive coverage and pay just their deductible.