I, as an insurance adjuster have NEVER under paid a claim in "hopes they will take th check and move on". They may be some "crooks" in insurnace but I don't know any. But I have had a lot of body shop do some shady stuff....
You clearly have not been in the industry very long then. And you obviously have never actually WORKED on a vehicle.
Certified NRA Instructor, ask me about CCW classes