[stomachmonkey]

I don't believe there is an industry standard %.

My insurer was 60%.

If I back into the neighbors car and dent a panel it's going to cost $1,000-$1,500 to fix and that's with no parts needed.

Yeah there is material cost like paint but 95% of the bill is in the labor.

So toss in some parts, even used which your insurer will try to use as much as possible and even "minor" damage starts getting expensive if a lot of labor is involved in replacing parts.

We all have had that frustration with auto engineers who seemingly only thought about how something goes together but never seemed to consider that it may at some point need to be taken apart.