I don't think it's a problem for insurance companies.
We had a $2000 repair. Out deductible is $500.
I'm not turning in a $1500 claim to have my insurance rates go up.
Sometimes you just have to eat it.
For a lot of people an unplanned $1,500 is a lot of money, and it is what you pay the insurance for.
It's been bad in Denver for a bit. Friend just had hers stolen off of her 2006 Tundra, currently on week three of a rental as they find a replacement.