Maybe its different where you are. While you aren't getting collision, typically liability also has comprehensive coverage. Meaning, things like theft or fire or hitting a dear. You may very well still have your car repaired. Nevertheless, one might assume the same scrutiny applies to a liability claim, although, I've not heard of examples.
You are sort of in a logic loop. You're upset that insurance companies don't just pay, but you intentionally buy from the ones that don't just pay (ie the cheapest rates).
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.