I've thought that the true value of insurance, was when you actually
used it (claim). You should see the crap unloaded at body shops by the white box truck with the big letters on it. And how body shop people try to make the junk fit, well sort of, good enough to get by, if you don't know what to look for. I'm not poking the body shops, they're doing the best they can with what they're given to work with.
But not to worry, the industry association of secondary worthless parts made in Asia says that they "meet all OEM standards" hahahaha, yeah, right.
Almost all cars of today are of unibody construction. The material strength, the forming, the attachment, are all critical to the crash performance of the vehicle. Many insurance companies specify that cheap crap be used, instead of parts from the original manufacturer. Of course, it's not worded exactly like that
SF will spring for true OEM parts, never had any trouble with them on that. The body shops order the OEM parts up from the local or regional warehouse for that make of car via a dealership's parts department. In bigger metro areas, a dealership may run a big separate warehouse for parts for their brand. Semi's drop off parts on one side of the building, and delivery trucks run in and out the other side. They have a bunch of people on phones sitting in front of computers, and a big counter with constant heavy traffic. Wholesale only for all of this.