Because you have to go to a 4s shop or an auto repair shop to disassemble the parts for inspection, and you have to see if there is anything broken inside.

The last time I was rear-ended, it seemed that I was just hit by a bumper, but it took more than two thousand to go to a 4s shop. So if you want to pay for this, it will cost at least 2,000 to 3,000.

I insured it. I paid all the money.