Inexpensive, easy to deal with, prompt claims service. Yes you have to pay the difference if you want anything other than aftermarket parts but I've heard this is getting more common as ins cos look for new and creative ways to screw people out of claims - including using "betterment" charges.
For example, I had to have a mirror replaced - there was a used (junkyard) one that they agreed to put on. I also had the option to use a new / OE one but I'd have paid the difference in cost since the insurance only intended to "make me whole" by replacing the damaged mirror off of my used car with a used mirror. A new mirror would have been making it better and therefore subject to a price differential to reimburse them for the "betterment".
Progressive was FAR worse in this regard, BTW but
afaik they're all starting to do it. I can't imagine any worse insult to injury than being handed a bill after writing the check to cover the deductible when picking up your car after an accident, but there ya go. Ain't corporatism grand?