I know I have had my share of fender benders (and one really bad wreck) and had to make the rounds of auto body shops to get estimates. Most of my car damage occurred on campus when the students would just willy nilly bump into my car in the parking garage. I don't know how many times I had to call parents, who were always willing to get my car repaired without notifying their insurance companies. Trying to track down body shops and going to get estimates would be time consuming. Now I know if I need to do that again, there is a more efficient way to track down and contact shops.