Marco Arment of Overcast related an incident where his Rivian had a simple fender bender, and his insurance was billed $15,000 in labor and parts to fix it because of the monobody construction where you have to tear apart half the car to fix anything

Hyundai Ioniq 5, backing into the garage next to the RV, and at "backing into the garage" speed ran into the RV. The fiberglass body of the RV suffered a 3 inch diameter break in the fiberglass that I could have fixed myself. The Hyundai? 17,000 American dollars. The rear quarter panel took a dent, and (IIRC) the bumper might have had some damage. Part of the problem was that there really isn't a "rear quarter panel" anymore. No, as I looked at it, that piece of sheet metal goes all the way from the rear bumper to the front of the passenger compartment. The shop didn't replace that piece, but rather cut the dented piece out and welded in new sheet metal.

Between that, and all the sensors, etc., $17K for backing into a piece of fiberglass at not even a walking pace. Now that the car has some years on it, if I do that again they'll probably total it.