(22nd-Oct-22, 02:06 PM)Brumos RSR Wrote: Do you purchase enough liability coverage to keep from being sued for your assets like your home and cash or is that just a US thing?
- Is the coverage standard from company to company
- Are you having supply chain issues for parts
- Are you seeing a large run up in charges from body shops
- Has their been a longe than average wait time for repairs
I’m asking for a friend 
Hi Brumos so in the UK the minimum amount of liability cover was set by a European directive and converted into UK legislation and for most people was plenty (approx £1.2 million) . All insurers also pay a levy that would compensate people injured by an uninsured driver. Most policies sold offer much more than the minimum, usually £5-10m. Due to the much less litigious nature and the fact claims can only be made for actual costs (or expected actual costs) this is usually enough, without going into too much detail however this won't be enough for very long and I expect the 'normal' amount of cover to rise to £20m, there will be little to no fanfare about this as its not something that is really a selling point in the UK.
1. Mostly yes as it is governed by rules and regulations however perks and freebies and insurers waiving their rights do vary from insurer to insurer - the fine print in more specialist policies such as the value of the vehicle and what happens to a car in the event of a total loss is much more variable, however for most insurance most people buy it is very similar.
2.yes
3.most insurers have networks of 'approved' body shops that will be working on a contracted rate so within the contract there isn't much scope to charge more. Of course at contract renewal time there will be a jump as the cost of living rises. Again this is most insurance that most people buy, specialist repairers won't be on a contract so can charge per job, usually this must be agreed with an engineer employed by (or contracted by) the insurer upfront, no doubt this will rise as everything usually does!
4.yes, see point 2.
Just to emphasise this relates to the average man on the street buying average insurance that is basically a commodity at this point. Any high value, classic, unique, or unusual vehicle will have insurance that is more bespoke.