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There is additional insurance "GAP", they will pay the rest to buying price and my friend after totalling an old Audi got interesting offer - received current value of the car counted by insurer as he left them wreck to be sold in auction - normally they will even substract remaining value of "useless" the wreck (he bought similar newer from that). Anyway as you pay an extra lease fees over new price, there is almost no chance you do not loose, but with the GAP (can be made for new or almost new cars only) you lost leasing charges at most, but if it is not brand new car, it would not have value you receive, so you would use it till accident without quite high costs of wear. Would tell, conditions should be similar everywhere - service and work is expensive, so preferred method is often dispose wreck or sold it not repaired... If it would not be your fault, you may ask offender to pay all your costs not only those covered from his insurance, but often at court or you can insure also lawyer coverage and let that company do that work or get all your rights if insurer fail to pay them for you at their costs. There is also interesting lemon car law in some countries. And 2 examples of greedy services - Ford Transit - plastic cover on starter damaged during accident - insurance company had to pay around over €800 for replacement, dealer kept it and sent to Germany for repair, small tick on bumper in Germany (only paint damaged) - probably replacement too as damage paid around €2500... So as you can see and friend insurance liquidator told me services live from accidents and love to do anything to increase final invoice... Insurance companies even require specific invoice by their rules as prices or time spent on common service tasks is even higher...