In the real world, people have damage to their cars that they would just rather not get fixed. They would rather pocket the insurance money and drive around with a big dent in their car.
If there was a liability dispute, it has been hard to pull this off in Maryland because there was no way to get the property damage estimate into evidence unless you brought the guy who did the estimate to trial as a witness (If you actually had the repairs done, you could get the cost in under Maryland Courts and Judicial Proceedings Code Annotated § 10-105).
Now, under a new Maryland law passed last week, you can get a repair estimate into evidence at trial, at least in District Court. Now, a plaintiff can testify that a written vehicle repair estimate, prepared by an insurer or its authorized representative is admissible, without the testimony of the preparer of the estimate, as evidence of the authenticity and the fairness and reasonableness of the estimate that you would otherwise need.