I think small accidents == large bills is caused by the amount of sensors and crumple zones in cars.
Layered on top of that is the massively increased cost of parts and labor to install the parts and paint them. And cars aren't really made to be taken apart easily.
Then there is the issue of availability of parts, especially in newer cars.
All of that makes it so that there are a 100+ cars outside the body-shop I frequently pass by. Because of the speed (or slowness) of the pipeline, body-shops need to be a certain size. Then insurance tries to squeeze them, and people don't get paid enough for the work they actually do.
So that's why your repaired bumper is 2 tints darker than your body. No-one has the time to properly blend the paints.
One interesting thing I noticed about Chinese vehicles is that the expensive sensor arrays are commonly mounted on the roof, presumably safe from small fender benders. Hopefully Western manufacturers will pick up that feature.
> And cars aren't really made to be taken apart easily.
This is a major contributor for specific models. I was listening to my brother complain about a vehicle that rolled into their shop lately and how the engineers really didn’t think about how difficult it would be for technicians to service things. Some parts are fairly inexpensive and easy to replace but you have to remove the engine or transmission in order to get enough clearance to swap out the part!