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My father was a panel beater working in a small business, which is the norm in that industry, and their work was >95% insurance jobs. So there were a few very large companies (and NRMA was by far the biggest and most influential) dealing with a mass of small businesses. And didn't they use that advantage! At one point a panel shop was being paid less than half the hourly rate motor mechanics (who mostly deal with individual customers) were charging, yet the overheads in both businesses are much the same. Then they consistently and methodically underestimate the time required to do a job. My father used to say: 'Insurance companies give you nothing and take you nowhere.' With that as background I have never trusted or respected them.
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