When I was hit in the USA in 2005, I got an estimate for 'similar quality' repairs from a bike shop, was reimbursed almost immediately for the quoted cost, and then paid out of pocket for some small upgrades.

When the cost is around $200, and written in pencil, they're really just happy to make that part of the claim go away. Think of the effort and cost they'd have to undertake to get me down by 25% or 50%, and it just doesn't make sense to fight it.

This was from the other-party's state-minimum coverage insurance provider. When I pulled the dentures out of my mangled mouth when meeting with the guy in my home, he gave up and left, and they then sent me the full coverage amount for pain and suffering. He proceeded to tell his employer that he was meeting with me on several occasions that he actually booked for various reasons and then cancelled, during which time they found he was engaged in some sort of extramarital gymnastics.

I, on the other hand, had good coverage that was actually doubled by the extra payment of about ten dollars a year and went after my own insurance company on the basis of underinsured motorist coverage. That battle was more difficult, and eventually I got a fair settlement.